| Metric | The Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +3.0% | +4.3 pts |
| Deposit growth (YoY) | +5.8% | +2.5% | +3.3 pts |
| Loan growth (YoY) | +8.0% | +2.6% | +5.3 pts |
| ROA | 1.32% | 0.99% | +0.3 pts |
| ROE | 15.7% | 8.1% | +7.6 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $84.7M | $77.0M | $45.9M | $7.3M | $554K | 1.32% | 4.02% | 0.97% |
| Q1 2026 | $86.8M | $79.6M | $44.1M | $6.8M | $258K | 1.23% | 3.95% | 0.65% |
| Q4 2025 | $81.0M | $73.7M | $43.3M | $7.1M | $757K | 0.96% | 3.96% | 0.78% |
| Q3 2025 | $77.3M | $70.2M | $42.2M | $6.6M | $698K | 1.18% | 3.95% | 0.65% |
| Q2 2025 | $78.9M | $72.8M | $42.5M | $5.8M | $474K | 1.20% | 3.90% | 0.01% |
| Q1 2025 | $79.4M | $73.6M | $41.1M | $5.4M | $249K | 1.25% | 3.94% | 0.01% |
| Q4 2024 | $79.5M | $74.3M | $40.2M | $4.9M | $699K | 0.90% | 3.85% | 0.00% |
| Q3 2024 | $76.6M | $69.0M | $40.6M | $6.2M | $580K | 1.01% | 3.82% | 0.00% |
Loan mix (Q2 2026): real estate $28.9M · commercial $8.5M · consumer $3.7M · securities $31.8M
| Ratio | The Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 0.99% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 8.1% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.8% | 70.8% | 45th |
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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