The Farmers and Merchants Bank of Craig County: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Farmers and Merchants Bank of Craig County of New Castle, VA against its peer group of 506 similarly-sized US banks as of Q3 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 | 1.53% | 0.80% | +0.73% | 75th top |
| ROAE | 8.83% | 4.56% | +4.27% | 50th above |
| Net Interest Margin | 4.05% | 3.96% | +0.09% | 61st above |
| Efficiency Ratio | 52.02% | 76.29% | -24.27% | 75th top |
| PPNR / Avg Assets | 2.00% | — | — | 66th above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.15% | 5.45% | -0.30% | 55th above |
| Cost of Funds | 1.29% | 1.72% | -0.43% | 56th above |
| Net Interest Spread | 3.37% | — | — | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.41% | -1.41% | 78th top |
| NPA / Total Assets | 0.04% | — | — | 44th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.10% | -0.04% | 12th bottom |
| ACL / Total Loans | 1.21% | — | — | 44th below |
| Texas Ratio | 0.21% | 8.94% | -8.73% | 53rd above |
| Provision / NCO | 230.00% | — | — | 75th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.52% | 14.22% | +3.30% | 84th top |
| Equity / Assets | 17.57% | 13.16% | +4.41% | 88th top |
| TCE / Tangible Assets | 17.57% | — | — | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.22% | 69.24% | +14.98% | 19th bottom |
| Core Deposit Ratio | 93.44% | 88.77% | +4.67% | 69th above |
| Wholesale Funding Ratio | 0.49% | — | — | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.80% | — | — | 41st below |
| Loan Growth (Y/Y) | 9.31% | — | — | 81st top |
| Deposit Growth (Y/Y) | 0.49% | — | — | 38th below |
See The Farmers and Merchants Bank of Craig County's peers by name
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Unlock The Farmers and Merchants Bank of Craig County, 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 The Farmers and Merchants Bank of Craig County profile, how to read a UBPR, or how this data updates.