Farmers and Merchants State Bank of Alpha: 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 Alpha of Alpha, MN against its peer group of 536 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 | 0.72% | 3.33% | -2.61% | 35th below |
| ROAE | 6.50% | 8.29% | -1.79% | 38th below |
| Net Interest Margin | 3.47% | 3.93% | -0.46% | 30th below |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 71.27% | 84.49% | -13.22% | 47th below |
| PPNR / Avg Assets | 0.99% | 1.56% | -0.57% | 39th below |
| Yield on Earning Assets | 5.52% | 5.24% | +0.28% | 62nd above |
| Cost of Funds | 2.16% | 1.67% | +0.49% | 21st bottom |
| Net Interest Spread | 2.86% | 3.30% | -0.44% | 30th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 1.42% | -1.27% | 55th above |
| NPA / Total Assets | 0.10% | 0.71% | -0.61% | 53rd above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 1.10% | 1.53% | -0.43% | 38th below |
| ACL / NPLs (Coverage) | 728.26% | 721.42% | +6.84% | 84th top |
| Texas Ratio | 22.57% | 8.54% | +14.03% | 7th bottom |
| Provision / NCO | 0.00% | 286.20% | -286.20% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.15% | 22.10% | -10.95% | 30th below |
| Equity / Assets | 11.11% | 20.74% | -9.63% | 37th below |
| TCE / Tangible Assets | 11.11% | 20.49% | -9.38% | 39th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Ahead of the peer average, behind the median peer. | 74.06% | 74.26% | -0.20% | 40th below |
| Core Deposit Ratio | 92.23% | 88.30% | +3.93% | 54th above |
| Wholesale Funding Ratio | 1.60% | 5.34% | -3.74% | 73rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 2.89% | 3.82% | -0.93% | 51st above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.57% | 6.85% | -1.28% | 62nd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 2.84% | 2.98% | -0.14% | 55th above |
See Farmers and Merchants State Bank of Alpha's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers and Merchants State Bank of Alpha, 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 of Alpha profile, how to read a UBPR, or how this data updates.