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 Duke, 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 | 0.81% | 3.13% | -2.32% | 39th below |
| ROAE | 7.28% | 10.30% | -3.02% | 44th below |
| Net Interest Margin | 3.74% | 3.94% | -0.20% | 42nd below |
| Efficiency Ratio | 68.91% | 76.32% | -7.41% | 51st above |
| PPNR / Avg Assets | 0.81% | 1.40% | -0.59% | 32nd below |
| Yield on Earning Assets | 5.39% | 5.35% | +0.04% | 57th above |
| Cost of Funds | 1.83% | 1.70% | +0.13% | 35th below |
| Net Interest Spread | 2.82% | 3.32% | -0.50% | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 1.96% | 1.49% | +0.47% | 82nd top |
| Texas Ratio | 0.00% | 8.27% | -8.27% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.30% | 17.65% | -6.35% | 31st below |
| Equity / Assets | 11.34% | 16.45% | -5.11% | 39th below |
| TCE / Tangible Assets | 11.34% | 16.20% | -4.86% | 42nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 35.50% | 72.86% | -37.36% | 87th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 90.39% | 88.27% | +2.12% | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.20% | 4.26% | -2.06% | 47th below |
| Loan Growth (Y/Y) | 11.70% | 6.75% | +4.95% | 81st top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 2.13% | 3.72% | -1.59% | 50th 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.