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 Laotto, IN against its peer group of 2603 similarly-sized US banks as of Q3 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 | 1.73% | 1.25% | +0.48% | 65th above |
| ROAE | 21.51% | 13.21% | +8.30% | 89th top |
| Net Interest Margin | 3.61% | 3.95% | -0.34% | 25th below |
| Efficiency Ratio | 50.78% | 61.29% | -10.51% | 72nd above |
| PPNR / Avg Assets | 1.88% | — | — | 56th above |
| Yield on Earning Assets | 5.16% | 5.68% | -0.52% | 32nd below |
| Cost of Funds | 1.65% | 1.88% | -0.23% | 54th above |
| Net Interest Spread | 3.14% | — | — | 37th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.84% | 0.93% | -0.09% | 31st below |
| NPA / Total Assets | 0.56% | — | — | 30th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 47th below |
| ACL / Total Loans | 0.73% | — | — | 2nd bottom |
| ACL / NPLs (Coverage) | 87.03% | — | — | 19th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.53% | 7.37% | -0.84% | 26th below |
| Provision / NCO | 3357.14% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.26% | 11.73% | -2.47% | 9th bottom |
| Equity / Assets | 8.12% | 10.97% | -2.85% | 18th bottom |
| TCE / Tangible Assets | 8.12% | — | — | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.63% | 80.71% | -7.08% | 54th above |
| Core Deposit Ratio | 99.08% | 86.89% | +12.19% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.00% | — | — | 37th below |
| Loan Growth (Y/Y) | 14.51% | — | — | 88th top |
| Deposit Growth (Y/Y) | 1.10% | — | — | 31st below |
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.