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 Milford, NE against its peer group of 931 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 | 0.91% | 1.46% | -0.55% | 24th bottom |
| ROAE | 10.97% | 12.72% | -1.75% | 41st below |
| Net Interest Margin | 2.17% | 3.85% | -1.68% | 3rd bottom |
| Efficiency Ratio | 51.81% | 57.41% | -5.60% | 70th above |
| PPNR / Avg Assets | 1.03% | 1.88% | -0.85% | 16th bottom |
| Yield on Earning Assets | 4.30% | 5.72% | -1.42% | 5th bottom |
| Cost of Funds | 2.34% | 2.02% | +0.32% | 28th below |
| Net Interest Spread | 1.80% | 3.18% | -1.38% | 4th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.00% | -1.00% | 98th top |
| NPA / Total Assets | 0.00% | 0.76% | -0.76% | 98th top |
| NCO / Avg Loans | -0.00% | 0.43% | -0.43% | 86th top |
| ACL / Total Loans | 0.41% | 1.31% | -0.90% | 2nd bottom |
| Texas Ratio | 0.00% | 7.39% | -7.39% | 99th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.26% | 17.33% | +3.93% | 93rd top |
| Tier 1 Ratio | 21.26% | 17.37% | +3.89% | 93rd top |
| Total Capital Ratio | 21.45% | 18.42% | +3.03% | 92nd top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.64% | 11.44% | -0.80% | 54th above |
| Equity / Assets | 8.35% | 11.34% | -2.99% | 10th bottom |
| TCE / Tangible Assets | 7.10% | 10.50% | -3.40% | 5th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 26.29% | 86.98% | -60.69% | 98th top |
| Core Deposit Ratio | 35.59% | 85.57% | -49.98% | 1st bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.56% | 5.70% | -1.14% | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 8.44% | 9.68% | -1.24% | 69th above |
| Loan Growth (Y/Y) | -1.44% | 8.06% | -9.50% | 12th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.03% | 7.87% | -0.84% | 63rd above |
See Farmers and Merchants Bank's peers by name
The 931 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.