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 Upperco, MD against its peer group of 2672 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 | 1.00% | 1.35% | -0.35% | 33rd below |
| ROAE | 10.96% | 12.05% | -1.09% | 41st below |
| Net Interest Margin | 3.40% | 3.90% | -0.50% | 24th bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 62.31% | 63.15% | -0.84% | 47th below |
| PPNR / Avg Assets | 1.31% | 1.64% | -0.33% | 34th below |
| Yield on Earning Assets | 5.31% | 5.65% | -0.34% | 36th below |
| Cost of Funds | 2.03% | 1.85% | +0.18% | 35th below |
| Net Interest Spread | 2.88% | 3.35% | -0.47% | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.19% | 0.67% | -0.48% | 61st above |
| NCO / Avg Loans | -0.03% | 0.15% | -0.18% | 93rd top |
| ACL / Total Loans | 0.70% | 1.28% | -0.58% | 7th bottom |
| Texas Ratio | 2.17% | 7.15% | -4.98% | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.09% | 20.83% | -8.74% | 18th bottom |
| Tier 1 Ratio | 12.09% | 20.87% | -8.78% | 18th bottom |
| Total Capital Ratio | 12.75% | 21.94% | -9.19% | 14th bottom |
| Leverage Ratio | 9.98% | 12.46% | -2.48% | 31st below |
| Equity / Assets | 9.09% | 11.67% | -2.58% | 29th below |
| TCE / Tangible Assets | 8.35% | 11.40% | -3.05% | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.43% | 78.64% | +9.79% | 32nd below |
| Core Deposit Ratio | 83.80% | 87.09% | -3.29% | 26th below |
| Wholesale Funding Ratio | 7.25% | 5.11% | +2.14% | 24th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.89% | 6.47% | -2.58% | 46th below |
| Loan Growth (Y/Y) | 3.45% | 7.64% | -4.19% | 39th below |
| Deposit Growth (Y/Y) | -3.26% | 6.03% | -9.29% | 10th bottom |
See Farmers and Merchants Bank's peers by name
The 2672 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.