The 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 The Farmers and Merchants Bank of Boswell, IN 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 | 0.86% | 1.35% | -0.49% | 26th below |
| ROAE | 10.25% | 13.32% | -3.07% | 38th below |
| Net Interest Margin | 3.64% | 3.93% | -0.29% | 34th below |
| Efficiency Ratio | 69.28% | 61.13% | +8.15% | 30th below |
| PPNR / Avg Assets | 1.06% | 1.68% | -0.62% | 23rd bottom |
| Yield on Earning Assets | 4.95% | 5.67% | -0.72% | 21st bottom |
| Cost of Funds | 1.38% | 1.88% | -0.50% | 76th top |
| Net Interest Spread | 3.30% | 3.32% | -0.02% | 48th below |
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 Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 48th below |
| ACL / Total Loans | 1.15% | 1.28% | -0.13% | 44th below |
| Texas Ratio | 0.09% | 7.34% | -7.25% | 88th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.87% | 19.49% | -6.62% | 26th below |
| Tier 1 Ratio | 12.87% | 19.52% | -6.65% | 26th below |
| Total Capital Ratio | 14.04% | 20.61% | -6.57% | 26th below |
| Leverage Ratio | 9.12% | 12.14% | -3.02% | 14th bottom |
| Equity / Assets | 8.43% | 11.37% | -2.94% | 19th bottom |
| TCE / Tangible Assets | 8.43% | 11.08% | -2.65% | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.28% | 80.66% | -7.38% | 65th above |
| Core Deposit Ratio | 82.82% | 86.85% | -4.03% | 23rd bottom |
| Wholesale Funding Ratio | 0.23% | 5.04% | -4.81% | 94th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.41% | 6.84% | -3.43% | 42nd below |
| Loan Growth (Y/Y) | 4.49% | 7.92% | -3.43% | 45th below |
| Deposit Growth (Y/Y) | 3.19% | 6.29% | -3.10% | 44th below |
See The 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 The 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 The Farmers and Merchants Bank profile, how to read a UBPR, or how this data updates.