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 Milligan, NE 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 | 1.87% | 1.34% | +0.53% | 81st top |
| ROAE | 16.64% | 13.32% | +3.32% | 74th above |
| Net Interest Margin | 3.30% | 3.93% | -0.63% | 20th bottom |
| Efficiency Ratio | 38.04% | 61.14% | -23.10% | 96th top |
| PPNR / Avg Assets | 1.98% | 1.68% | +0.30% | 72nd above |
| Yield on Earning Assets | 6.28% | 5.67% | +0.61% | 80th top |
| Cost of Funds | 3.29% | 1.88% | +1.41% | 2nd bottom |
| Net Interest Spread | 2.70% | 3.32% | -0.62% | 20th 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. | 0.74% | 0.94% | -0.20% | 36th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.61% | 0.70% | -0.09% | 33rd below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.08% | 1.28% | -0.20% | 36th below |
| ACL / NPLs (Coverage) | 146.29% | 1546.44% | -1400.15% | 39th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.76% | 7.34% | -1.58% | 37th below |
| Provision / NCO | 5000.00% | 1393.73% | +3606.27% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.84% | 19.49% | -5.65% | 37th below |
| Tier 1 Ratio | 13.84% | 19.52% | -5.68% | 37th below |
| Total Capital Ratio | 14.97% | 20.61% | -5.64% | 37th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.08% | 12.14% | -1.06% | 52nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.03% | 11.36% | -0.33% | 61st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.97% | 11.08% | -0.11% | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 108.32% | 80.66% | +27.66% | 5th bottom |
| Core Deposit Ratio | 65.48% | 86.85% | -21.37% | 3rd bottom |
| Wholesale Funding Ratio | 11.86% | 5.03% | +6.83% | 10th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.69% | 6.84% | +7.85% | 91st top |
| Loan Growth (Y/Y) | 17.69% | 7.92% | +9.77% | 90th top |
| Deposit Growth (Y/Y) | 18.37% | 6.29% | +12.08% | 93rd top |
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.