The cooperative banking sector plays an important role in providing credit to the agricultural sector in Karnataka. Especially,PCARD Banks with the wide network of their branches at the grass-root levels and vast experience in the field of Long Term Credit helped in transferring latest technology to the small farmers.The main intention of this study is to measure the performance of PCARD Banks in Mandya and Mysuru districts comparing with the help of secondary data and also the study made use of the exponential growth model to measure the performance of the banks.It is found from the analysis that, Mandya PCARD banks are well equipped with members’ growth, share, and working capitals but Mysuru PCARD banks are performing well in terms of deposits,investments,and net profits when compared to Mandya district. There is need for proper loan recovery regulation through government intervention to overcome losses in PCARD Banks especially in Mandya District.