Farmers and Merchants Bank of Ashland: 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 Ashland of Ashland, 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 | 1.34% | 1.34% | +0.00% | 55th above |
| ROAE | 13.95% | 13.32% | +0.63% | 60th above |
| Net Interest Margin | 4.20% | 3.93% | +0.27% | 64th above |
| Efficiency Ratio | 53.99% | 61.13% | -7.14% | 72nd above |
| PPNR / Avg Assets | 1.86% | 1.68% | +0.18% | 65th above |
| Yield on Earning Assets | 6.08% | 5.67% | +0.41% | 72nd above |
| Cost of Funds | 1.97% | 1.88% | +0.09% | 39th below |
| Net Interest Spread | 3.56% | 3.32% | +0.24% | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.02% | 1.28% | -0.26% | 29th below |
| Texas Ratio | 3.04% | 7.34% | -4.30% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.00% | 12.14% | -2.14% | 31st below |
| Equity / Assets | 9.60% | 11.37% | -1.77% | 38th below |
| TCE / Tangible Assets | 9.60% | 11.08% | -1.48% | 42nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.28% | 80.66% | +9.62% | 28th below |
| Core Deposit Ratio | 85.84% | 86.85% | -1.01% | 34th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.53% | 5.04% | -0.51% | 41st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.50% | 6.84% | +3.66% | 84th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.31% | 7.92% | -2.61% | 50th above |
| Deposit Growth (Y/Y) | 11.31% | 6.29% | +5.02% | 86th top |
See Farmers and Merchants Bank of Ashland's peers by name
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Unlock Farmers and Merchants Bank of Ashland, 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 of Ashland profile, how to read a UBPR, or how this data updates.