F & M Community Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks F & M Community Bank, N.A. of Preston, MN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.23% | 1.34% | -0.11% | 48th below |
| ROAE | 15.31% | 13.31% | +2.00% | 68th above |
| Net Interest Margin | 3.76% | 3.93% | -0.17% | 40th below |
| Efficiency Ratio | 70.22% | 61.14% | +9.08% | 28th below |
| PPNR / Avg Assets | 1.25% | 1.68% | -0.43% | 31st below |
| Yield on Earning Assets | 5.15% | 5.67% | -0.52% | 29th below |
| Cost of Funds | 1.45% | 1.88% | -0.43% | 72nd above |
| Net Interest Spread | 3.32% | 3.32% | +0.00% | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 40th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.25% | 1.28% | -0.03% | 57th above |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 875.00% | 1395.65% | -520.65% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.93% | 12.14% | -2.21% | 30th below |
| Equity / Assets | 8.20% | 11.37% | -3.17% | 16th bottom |
| TCE / Tangible Assets | 8.20% | 11.09% | -2.89% | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.75% | 80.64% | +1.11% | 48th below |
| Core Deposit Ratio | 96.26% | 86.86% | +9.40% | 90th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.99% | 5.03% | -1.04% | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.00% | 6.85% | -5.85% | 25th below |
| Loan Growth (Y/Y) | 1.50% | 7.90% | -6.40% | 29th below |
| Deposit Growth (Y/Y) | 2.77% | 6.29% | -3.52% | 41st below |
See F & M Community Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock F & M Community Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full F & M Community Bank, N.A. profile, how to read a UBPR, or how this data updates.