Farmers and Mechanics Federal Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers and Mechanics Federal Savings Bank of Bloomfield, IN 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 | -0.31% | 1.34% | -1.65% | 3rd bottom |
| ROAE | -6.78% | 13.32% | -20.10% | 2nd bottom |
| Net Interest Margin | 2.78% | 3.93% | -1.15% | 6th bottom |
| Efficiency Ratio | 109.60% | 61.13% | +48.47% | 2nd bottom |
| PPNR / Avg Assets | -0.31% | 1.68% | -1.99% | 2nd bottom |
| Yield on Earning Assets | 4.49% | 5.67% | -1.18% | 9th bottom |
| Cost of Funds | 1.54% | 1.88% | -0.34% | 67th above |
| Net Interest Spread | 2.54% | 3.32% | -0.78% | 15th bottom |
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 | 0.77% | 0.70% | +0.07% | 27th below |
| NCO / Avg Loans | 0.46% | 0.16% | +0.30% | 6th bottom |
| ACL / Total Loans | 0.41% | 1.28% | -0.87% | 1st bottom |
| Texas Ratio | 15.46% | 7.33% | +8.13% | 12th bottom |
| Provision / NCO | 14.67% | 1395.72% | -1381.05% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.76% | 19.50% | -7.74% | 15th bottom |
| Tier 1 Ratio | 11.76% | 19.54% | -7.78% | 14th bottom |
| Total Capital Ratio | 12.17% | 20.62% | -8.45% | 9th bottom |
| Leverage Ratio | 6.79% | 12.14% | -5.35% | 0th bottom |
| Equity / Assets | 4.74% | 11.38% | -6.64% | 1st bottom |
| TCE / Tangible Assets | 4.74% | 11.09% | -6.35% | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.29% | 80.64% | -19.35% | 82nd top |
| Core Deposit Ratio | 83.69% | 86.86% | -3.17% | 26th below |
| Wholesale Funding Ratio | 1.76% | 5.03% | -3.27% | 72nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.12% | 6.85% | -9.97% | 8th bottom |
| Loan Growth (Y/Y) | -4.09% | 7.90% | -11.99% | 9th bottom |
| Deposit Growth (Y/Y) | -0.16% | 6.29% | -6.45% | 22nd bottom |
See Farmers and Mechanics Federal Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers and Mechanics Federal Savings Bank, 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 Farmers and Mechanics Federal Savings Bank profile, how to read a UBPR, or how this data updates.