| Metric | The Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.2% | +3.0% | +9.2 pts |
| Deposit growth (YoY) | +12.6% | +2.5% | +10.1 pts |
| Loan growth (YoY) | +2.2% | +2.6% | -0.4 pts |
| ROA | 1.62% | 0.99% | +0.6 pts |
| ROE | 14.6% | 8.1% | +6.5 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $86.3M | $74.4M | $50.1M | $9.6M | $684K | 1.62% | 4.05% | 0.26% |
| Q1 2026 | $84.5M | $73.0M | $50.0M | $9.2M | $277K | 1.33% | 3.95% | 0.13% |
| Q4 2025 | $82.1M | $70.3M | $51.4M | $9.4M | $732K | 0.96% | 3.88% | 0.23% |
| Q3 2025 | $75.5M | $64.1M | $49.9M | $9.0M | $424K | 0.75% | 3.82% | 0.37% |
| Q2 2025 | $76.9M | $66.1M | $49.0M | $8.4M | $155K | 0.41% | 3.68% | 1.25% |
| Q1 2025 | $74.8M | $64.1M | $48.4M | $8.4M | $173K | 0.93% | 3.64% | 1.98% |
| Q4 2024 | $73.9M | $63.2M | $49.9M | $8.3M | $657K | 0.89% | 3.44% | 1.83% |
| Q3 2024 | $73.1M | $60.9M | $49.1M | $8.8M | $692K | 1.24% | 3.37% | 1.68% |
Loan mix (Q2 2026): real estate $45.5M · commercial $1.1M · consumer $917K · securities $18.6M
| Ratio | The Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 0.99% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 8.1% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.3% | 70.8% | 13th |
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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