| Metric | The Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.2% | +3.0% | -6.2 pts |
| Deposit growth (YoY) | -3.6% | +2.5% | -6.1 pts |
| Loan growth (YoY) | +0.9% | +2.6% | -1.7 pts |
| ROA | 0.83% | 0.99% | -0.2 pts |
| ROE | 8.2% | 8.1% | +0.1 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $19.5M | $17.4M | $6.2M | $2.1M | $83K | 0.83% | 3.20% | 2.22% |
| Q1 2026 | $19.8M | $17.7M | $7.1M | $2.0M | $37K | 0.74% | 3.17% | 1.34% |
| Q4 2025 | $20.5M | $18.4M | $7.4M | $2.0M | $9K | 0.05% | 3.58% | 0.76% |
| Q3 2025 | $20.8M | $18.6M | $6.5M | $2.1M | $156K | 1.10% | 3.61% | 1.83% |
| Q2 2025 | $20.2M | $18.0M | $6.2M | $2.1M | $101K | 1.10% | 3.70% | 0.77% |
| Q1 2025 | $18.3M | $16.2M | $6.3M | $2.0M | $37K | 0.85% | 3.80% | 1.53% |
| Q4 2024 | $16.4M | $14.4M | $7.2M | $2.0M | $20K | 0.12% | 3.49% | 1.67% |
| Q3 2024 | $16.5M | $14.4M | $6.9M | $2.1M | $102K | 0.80% | 3.41% | 2.46% |
Loan mix (Q2 2026): real estate $2.4M · commercial $1.4M · consumer $490K · securities $1.1M
| Ratio | The Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.99% | 42nd | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 8.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.0% | 70.8% | 57th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | The Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | The Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | The Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | The Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | The Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $17.4M branch deposits. Biggest market: Morris, KS, ranked 3rd with 8.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Morris, KS | 1 | $17.4M | 8.66% | 3rd |
Kansas: 270th with 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Spends 1.5× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).