Farmers and Merchants State 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 State Bank of Langdon, ND 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 | 1.71% | 1.34% | +0.37% | 74th above |
| ROAE | 11.74% | 13.31% | -1.57% | 46th below |
| Net Interest Margin | 3.91% | 3.93% | -0.02% | 48th below |
| Efficiency Ratio | 45.31% | 61.14% | -15.83% | 89th top |
| PPNR / Avg Assets | 1.78% | 1.68% | +0.10% | 61st above |
| Yield on Earning Assets | 5.80% | 5.67% | +0.13% | 59th above |
| Cost of Funds | 2.18% | 1.88% | +0.30% | 27th below |
| Net Interest Spread | 3.24% | 3.32% | -0.08% | 45th 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 | -1.03% | 0.16% | -1.19% | 100th top |
| ACL / Total Loans | 1.00% | 1.28% | -0.28% | 26th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.97% | 7.33% | -0.36% | 31st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.70% | 12.14% | +3.56% | 89th top |
| Equity / Assets | 14.53% | 11.37% | +3.16% | 87th top |
| TCE / Tangible Assets | 14.53% | 11.09% | +3.44% | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.62% | 80.64% | -4.02% | 58th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.24% | 86.86% | +0.38% | 40th below |
| Wholesale Funding Ratio | 11.18% | 5.03% | +6.15% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.84% | 6.85% | -8.69% | 11th bottom |
| Loan Growth (Y/Y) | 2.63% | 7.90% | -5.27% | 34th below |
| Deposit Growth (Y/Y) | 3.92% | 6.29% | -2.37% | 49th below |
See Farmers and Merchants State 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 State 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 State Bank profile, how to read a UBPR, or how this data updates.