| Metric | The Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +3.0% | +0.1 pts |
| Deposit growth (YoY) | +2.8% | +2.5% | +0.3 pts |
| Loan growth (YoY) | -0.7% | +2.6% | -3.3 pts |
| ROA | 1.87% | 0.99% | +0.9 pts |
| ROE | 15.2% | 8.1% | +7.1 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $77.2M | $67.2M | $42.8M | $9.7M | $721K | 1.87% | 3.52% | 0.29% |
| Q1 2026 | $78.0M | $68.5M | $42.0M | $9.2M | $334K | 1.74% | 3.53% | 1.00% |
| Q4 2025 | $75.8M | $65.8M | $40.7M | $9.7M | $923K | 1.23% | 3.17% | 1.03% |
| Q3 2025 | $75.7M | $64.4M | $42.5M | $9.2M | $601K | 1.07% | 3.09% | 1.03% |
| Q2 2025 | $74.9M | $65.3M | $43.2M | $8.6M | $339K | 0.91% | 3.01% | 1.14% |
| Q1 2025 | $74.8M | $66.3M | $41.4M | $8.2M | $178K | 0.96% | 3.02% | 1.14% |
| Q4 2024 | $73.9M | $64.8M | $44.2M | $8.2M | $671K | 0.88% | 2.70% | 1.21% |
| Q3 2024 | $76.5M | $61.8M | $44.7M | $8.3M | $555K | 0.96% | 2.67% | 0.01% |
Loan mix (Q2 2026): real estate $19.6M · commercial $5.3M · consumer $1.4M · securities $29.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.87% | 0.99% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 8.1% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.0% | 70.8% | 11th |
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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