PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Farmers Insurance

Los Angeles, CA · Charter 1074

NCUA · 12 branches

Q2 2026

$1.3BAssets
$1.2BLoans
$1.1BShares
$131.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.30%, up 47 bps year over year; NIM at 4.72%.
  • Asset quality: problem loans at 1.57% of loans (-6 bps YoY).
  • Capital: net worth / assets of 9.86%, up 59 bps from a year ago.
  • Funding: loans stand at 103.85% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.30%+47 bps YoY

Net Interest Margin (YTD, annualized)

4.72%-2 bps YoY

Efficiency Ratio (YTD, annualized)

77.83%+62 bps YoY

Net Worth / Assets

9.86%+59 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.36%-0.66%-0.34%-0.17%0.09%0.19%0.36%0.30%+47 bps
Return on Equity-3.73%-7.34%-3.77%-1.84%0.92%1.96%3.79%3.06%+491 bps
Net Interest Margin4.71%4.75%4.54%4.74%4.97%4.98%4.59%4.72%-2 bps
Efficiency Ratio73.93%77.19%76.26%77.22%74.85%75.74%77.83%77.83%+62 bps
Growth
Asset Growth (YoY)-2.92%-6.08%-6.23%-7.37%-8.70%-7.55%-5.37%-4.48%+288 bps
Loan Growth (YoY)-1.92%-4.18%-6.09%-11.12%-10.67%-11.91%-12.15%-4.89%+623 bps
Share Growth (YoY)-2.74%-3.72%-1.83%-3.62%-6.09%-7.13%-7.07%-5.79%-217 bps
Asset Quality
Delinquent Loans / Loans1.25%1.15%1.07%1.63%1.65%1.53%1.31%1.57%-6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.57%9.02%8.94%9.27%9.83%9.67%9.54%9.86%+59 bps
Net Worth / Assets9.57%9.02%8.94%9.27%9.83%9.67%9.54%9.86%+59 bps
Liquidity & Funding
Loans / Shares111.98%111.66%106.26%102.86%106.52%105.92%100.46%103.85%+98 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps