| Metric | The Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.1% | +4.4% | +8.8 pts |
| Deposit growth (YoY) | +9.6% | +4.0% | +5.6 pts |
| Loan growth (YoY) | +7.3% | +5.6% | +1.7 pts |
| ROA | 1.42% | 1.24% | +0.2 pts |
| ROE | 20.0% | 11.9% | +8.1 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $180.5M | $158.1M | $93.3M | $12.5M | $1.2M | 1.42% | 3.88% | 0.00% |
| Q1 2026 | $174.6M | $156.3M | $89.3M | $12.6M | $567K | 1.32% | 3.86% | 0.02% |
| Q4 2025 | $169.8M | $152.0M | $85.8M | $12.2M | $1.7M | 1.06% | 3.51% | 0.00% |
| Q3 2025 | $164.4M | $147.1M | $84.4M | $11.5M | $1.3M | 1.06% | 3.47% | 0.02% |
| Q2 2025 | $159.5M | $144.3M | $86.9M | $9.5M | $831K | 1.04% | 3.42% | 0.03% |
| Q1 2025 | $161.9M | $148.7M | $84.1M | $9.4M | $376K | 0.94% | 3.35% | 0.09% |
| Q4 2024 | $156.5M | $143.1M | $83.5M | $8.5M | $1.4M | 0.85% | 3.07% | 0.15% |
| Q3 2024 | $162.0M | $143.2M | $82.0M | $10.4M | $1.1M | 0.92% | 3.10% | 0.11% |
Loan mix (Q2 2026): real estate $64.8M · commercial $13.0M · consumer $7.1M · securities $70.2M
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 | 1.42% | 1.24% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 20.0% | 11.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.3% | 62.9% | 40th |
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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