| Metric | The Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +3.0% | -2.3 pts |
| Deposit growth (YoY) | -5.8% | +2.5% | -8.3 pts |
| Loan growth (YoY) | +9.1% | +2.6% | +6.5 pts |
| ROA | 1.52% | 0.99% | +0.5 pts |
| ROE | 15.4% | 8.1% | +7.3 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $26.6M | $21.2M | $13.7M | $2.7M | $198K | 1.52% | 3.75% | 0.35% |
| Q1 2026 | $25.2M | $22.0M | $12.2M | $2.6M | $91K | 1.41% | 3.57% | 0.00% |
| Q4 2025 | $26.6M | $23.6M | $13.8M | $2.5M | $191K | 0.74% | 3.60% | 1.76% |
| Q3 2025 | $24.9M | $19.8M | $13.1M | $2.5M | $170K | 0.89% | 3.55% | 0.24% |
| Q2 2025 | $26.4M | $22.5M | $12.6M | $2.5M | $110K | 0.86% | 3.48% | 0.02% |
| Q1 2025 | $24.0M | $20.6M | $12.0M | $2.4M | $37K | 0.58% | 3.26% | 0.16% |
| Q4 2024 | $26.6M | $19.8M | $13.4M | $2.4M | $144K | 0.55% | 3.08% | 0.05% |
| Q3 2024 | $24.8M | $20.4M | $12.5M | $2.4M | $99K | 0.51% | 2.99% | 0.21% |
Loan mix (Q2 2026): real estate $7.1M · commercial $738K · consumer $1.1M · securities $5.3M
| Ratio | The Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 0.99% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 15.4% | 8.1% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.7% | 70.8% | 23th |
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 |
|---|---|---|---|---|
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% |
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