Farmers and Merchants State Bank, Bloomfield, Nebraska: 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, Bloomfield, Nebraska of Bloomfield, 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 | 1.76% | 1.34% | +0.42% | 77th top |
| ROAE | 19.05% | 13.32% | +5.73% | 84th top |
| Net Interest Margin | 3.76% | 3.93% | -0.17% | 40th below |
| Efficiency Ratio | 43.51% | 61.13% | -17.62% | 91st top |
| PPNR / Avg Assets | 2.17% | 1.68% | +0.49% | 79th top |
| Yield on Earning Assets | 5.37% | 5.67% | -0.30% | 38th below |
| Cost of Funds | 1.75% | 1.88% | -0.13% | 53rd above |
| Net Interest Spread | 3.27% | 3.32% | -0.05% | 47th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.94% | -0.89% | 78th top |
| NPA / Total Assets | 0.03% | 0.70% | -0.67% | 81st top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.24% | 1.28% | -0.04% | 55th above |
| ACL / NPLs (Coverage) | 2443.28% | 1545.90% | +897.38% | — |
| Texas Ratio | 0.40% | 7.34% | -6.94% | 82nd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.01% | 19.49% | -2.48% | 64th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.01% | 19.52% | -2.51% | 63rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.26% | 20.61% | -2.35% | 64th above |
| Leverage Ratio | 9.45% | 12.14% | -2.69% | 20th bottom |
| Equity / Assets | 9.34% | 11.37% | -2.03% | 33rd below |
| TCE / Tangible Assets | 9.34% | 11.08% | -1.74% | 37th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.86% | 80.67% | -17.81% | 80th top |
| Core Deposit Ratio | 77.34% | 86.85% | -9.51% | 11th bottom |
| Wholesale Funding Ratio | 0.05% | 5.04% | -4.99% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.24% | 6.84% | +2.40% | 80th top |
| Loan Growth (Y/Y) | -3.94% | 7.92% | -11.86% | 10th bottom |
| Deposit Growth (Y/Y) | 9.77% | 6.29% | +3.48% | 82nd top |
See Farmers and Merchants State Bank, Bloomfield, Nebraska's peers by name
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Unlock Farmers and Merchants State Bank, Bloomfield, Nebraska, 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, Bloomfield, Nebraska profile, how to read a UBPR, or how this data updates.