| Metric | The Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +29.6% | +4.4% | +25.2 pts |
| Deposit growth (YoY) | +31.6% | +4.0% | +27.7 pts |
| Loan growth (YoY) | +26.7% | +5.6% | +21.1 pts |
| ROA | 1.34% | 1.24% | +0.1 pts |
| ROE | 12.1% | 11.9% | +0.3 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $329.6M | $289.6M | $232.1M | $37.3M | $2.2M | 1.34% | 4.10% | 0.20% |
| Q1 2026 | $332.9M | $291.2M | $230.9M | $36.2M | $1.0M | 1.22% | 3.91% | 0.48% |
| Q4 2025 | $329.3M | $287.7M | $234.4M | $35.7M | $3.3M | 1.16% | 3.79% | 0.45% |
| Q3 2025 | $335.8M | $285.8M | $232.8M | $34.2M | $2.4M | 1.17% | 3.60% | 0.68% |
| Q2 2025 | $254.4M | $220.1M | $183.2M | $29.5M | $1.5M | 1.24% | 3.81% | 0.05% |
| Q1 2025 | $246.4M | $212.9M | $173.8M | $28.9M | $731K | 1.20% | 3.67% | 0.02% |
| Q4 2024 | $242.1M | $210.5M | $169.0M | $27.8M | $2.3M | 1.00% | 3.72% | 0.07% |
| Q3 2024 | $236.0M | $203.5M | $164.8M | $27.6M | $1.6M | 0.92% | 3.73% | 0.05% |
Loan mix (Q2 2026): real estate $192.4M · commercial $10.7M · consumer $12.5M · securities $46.4M
| Ratio | The Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 1.24% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 11.9% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
58th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.3% | 62.9% | 33th |
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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