| Metric | The Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +4.4% | -5.2 pts |
| Deposit growth (YoY) | -2.3% | +4.0% | -6.2 pts |
| Loan growth (YoY) | +3.1% | +5.6% | -2.4 pts |
| ROA | 1.59% | 1.24% | +0.3 pts |
| ROE | 32.0% | 11.9% | +20.2 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $193.9M | $182.1M | $125.5M | $9.9M | $1.5M | 1.59% | 5.49% | 0.52% |
| Q1 2026 | $198.6M | $187.0M | $128.7M | $9.9M | $754K | 1.55% | 5.47% | 0.34% |
| Q4 2025 | $191.5M | $180.7M | $126.6M | $9.1M | $2.5M | 1.28% | 5.24% | 0.40% |
| Q3 2025 | $198.4M | $188.1M | $124.3M | $8.3M | $2.0M | 1.41% | 5.15% | 0.41% |
| Q2 2025 | $195.6M | $186.4M | $121.7M | $6.3M | $1.3M | 1.37% | 5.13% | 0.37% |
| Q1 2025 | $193.9M | $184.5M | $119.3M | $6.5M | $583K | 1.23% | 5.09% | 0.19% |
| Q4 2024 | $184.8M | $176.2M | $116.5M | $5.8M | $1.7M | 0.93% | 4.68% | 0.32% |
| Q3 2024 | $185.5M | $168.5M | $112.6M | $7.8M | $1.6M | 1.18% | 4.64% | 0.39% |
Loan mix (Q2 2026): real estate $78.2M · commercial $16.7M · consumer $17.9M · securities $45.1M
| Ratio | The Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 1.24% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 32.0% | 11.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.49% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.2% | 62.9% | 64th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
4 branches in 4 counties across 1 state (+0 vs 2025) · $182.1M branch deposits. Biggest market: Haskell, OK, ranked 2nd with 36.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Haskell, OK | 1 | $91.9M | 36.27% | 2nd |
| Pittsburg, OK | 1 | $49.7M | 4.26% | 5th |
| McIntosh, OK | 1 | $22.7M | 5.27% | 6th |
| 1 more county with Pro → | ||||
Oklahoma: 122nd with 0.11% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Technology spend in line with peers (26 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).