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 Maysville, OK against its peer group of 504 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. | 1.86% | 3.13% | -1.27% | 81st top |
| ROAE | 17.35% | 10.29% | +7.06% | 87th top |
| Net Interest Margin | 5.40% | 3.94% | +1.46% | 94th top |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 70.81% | 76.32% | -5.51% | 48th below |
| PPNR / Avg Assets | 1.57% | 1.40% | +0.17% | 64th above |
| Yield on Earning Assets | 6.10% | 5.35% | +0.75% | 79th top |
| Cost of Funds | 0.75% | 1.70% | -0.95% | 89th top |
| Net Interest Spread | 4.95% | 3.32% | +1.63% | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.61% | 1.34% | +0.27% | 22nd bottom |
| NPA / Total Assets | 0.89% | 0.71% | +0.18% | 22nd bottom |
| NCO / Avg Loans | 1.12% | 0.10% | +1.02% | 3rd bottom |
| ACL / Total Loans | 2.90% | 1.49% | +1.41% | 92nd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 180.61% | 865.98% | -685.37% | 56th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.10% | 8.27% | -1.17% | 26th below |
| Provision / NCO | -81.48% | 290.71% | -372.19% | 1st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.89% | 17.65% | -6.76% | 27th below |
| Equity / Assets | 10.93% | 16.45% | -5.52% | 35th below |
| TCE / Tangible Assets | 10.93% | 16.19% | -5.26% | 37th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.26% | 72.85% | -10.59% | 57th above |
| Core Deposit Ratio | 92.82% | 88.28% | +4.54% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.40% | 4.26% | -5.66% | 24th bottom |
| Loan Growth (Y/Y) | -5.52% | 6.77% | -12.29% | 18th bottom |
| Deposit Growth (Y/Y) | -2.38% | 3.72% | -6.10% | 22nd bottom |
See Farmers and Merchants Bank's peers by name
The 504 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.