Farmers and Merchants Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers and Merchants Bank of Baldwyn, MS against its peer group of 2603 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 | 1.74% | 1.34% | +0.40% | 76th top |
| ROAE | 13.41% | 13.32% | +0.09% | 56th above |
| Net Interest Margin | 4.79% | 3.93% | +0.86% | 88th top |
| Efficiency Ratio | 56.03% | 61.13% | -5.10% | 66th above |
| PPNR / Avg Assets | 2.34% | 1.68% | +0.66% | 85th top |
| Yield on Earning Assets | 6.51% | 5.67% | +0.84% | 87th top |
| Cost of Funds | 2.11% | 1.88% | +0.23% | 31st below |
| Net Interest Spread | 4.23% | 3.32% | +0.91% | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.69% | 0.94% | +0.75% | 16th bottom |
| NPA / Total Assets | 1.08% | 0.70% | +0.38% | 19th bottom |
| NCO / Avg Loans | 0.26% | 0.16% | +0.10% | 10th bottom |
| ACL / Total Loans | 2.19% | 1.28% | +0.91% | 95th top |
| ACL / NPLs (Coverage) | 129.55% | 1546.97% | -1417.42% | 36th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.28% | 7.34% | -0.06% | 30th below |
| Provision / NCO | 33.11% | 1396.00% | -1362.89% | 25th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.19% | 12.14% | +2.05% | 82nd top |
| Equity / Assets | 13.46% | 11.36% | +2.10% | 81st top |
| TCE / Tangible Assets | 13.45% | 11.08% | +2.37% | 83rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.40% | 80.67% | -7.27% | 65th above |
| Core Deposit Ratio | 86.82% | 86.85% | -0.03% | 38th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.14% | 6.84% | +0.30% | 70th above |
| Loan Growth (Y/Y) | 8.05% | 7.92% | +0.13% | 65th above |
| Deposit Growth (Y/Y) | 6.53% | 6.29% | +0.24% | 68th above |
See Farmers and Merchants Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers and Merchants 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 Merchants Bank profile, how to read a UBPR, or how this data updates.