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 Arnett, OK against its peer group of 506 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 Behind the peer average, ahead of the median peer. | 1.54% | 3.13% | -1.59% | 70th above |
| ROAE | 12.58% | 10.30% | +2.28% | 71st above |
| Net Interest Margin | 3.14% | 3.94% | -0.80% | 17th bottom |
| Efficiency Ratio | 50.49% | 76.37% | -25.88% | 87th top |
| PPNR / Avg Assets | 1.63% | 1.40% | +0.23% | 66th above |
| Yield on Earning Assets | 4.67% | 5.36% | -0.69% | 28th below |
| Cost of Funds | 1.71% | 1.70% | +0.01% | 42nd below |
| Net Interest Spread | 2.44% | 3.32% | -0.88% | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.42% | 1.34% | -0.92% | 46th below |
| NPA / Total Assets | 0.13% | 0.71% | -0.58% | 50th above |
| NCO / Avg Loans | 0.34% | 0.10% | +0.24% | 7th bottom |
| ACL / Total Loans | 1.84% | 1.49% | +0.35% | 79th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 433.65% | 866.59% | -432.94% | 76th top |
| Texas Ratio | 1.00% | 8.28% | -7.28% | 57th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 55.77% | 291.24% | -235.47% | 50th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.00% | 17.65% | -4.65% | 48th below |
| Equity / Assets | 12.43% | 16.46% | -4.03% | 49th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 12.43% | 16.20% | -3.77% | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 35.09% | 72.92% | -37.83% | 88th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.67% | 88.28% | +0.39% | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.28% | 4.26% | +1.02% | 65th above |
| Loan Growth (Y/Y) | -2.94% | 6.77% | -9.71% | 27th below |
| Deposit Growth (Y/Y) | 4.96% | 3.72% | +1.24% | 66th above |
See Farmers and Merchants Bank's peers by name
The 506 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.