Farmers and Merchants State Bank of Appleton: 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 Appleton of Appleton, 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 | 3.28% | 3.13% | +0.15% | 92nd top |
| ROAE | 25.84% | 10.39% | +15.45% | 96th top |
| Net Interest Margin | 4.93% | 3.93% | +1.00% | 86th top |
| Efficiency Ratio | 32.48% | 76.37% | -43.89% | 97th top |
| PPNR / Avg Assets | 3.28% | 1.40% | +1.88% | 94th top |
| Yield on Earning Assets | 6.17% | 5.35% | +0.82% | 80th top |
| Cost of Funds | 1.36% | 1.71% | -0.35% | 61st above |
| Net Interest Spread | 4.07% | 3.31% | +0.76% | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 1.30% | 1.34% | -0.04% | 25th below |
| NPA / Total Assets | 1.07% | 0.71% | +0.36% | 18th bottom |
| NCO / Avg Loans | -0.04% | 0.11% | -0.15% | 89th top |
| ACL / Total Loans | 2.32% | 1.48% | +0.84% | 88th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 178.53% | 865.89% | -687.36% | 55th above |
| Texas Ratio | 10.50% | 8.25% | +2.25% | 19th bottom |
| Provision / NCO | 0.00% | 315.70% | -315.70% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.99% | 17.61% | -4.62% | 49th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 12.96% | 16.43% | -3.47% | 53rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 12.96% | 16.18% | -3.22% | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.07% | 72.79% | +22.28% | 14th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 91.21% | 88.21% | +3.00% | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.36% | 4.30% | +0.06% | 60th above |
| Loan Growth (Y/Y) | -0.94% | 6.74% | -7.68% | 36th below |
| Deposit Growth (Y/Y) | 4.72% | 3.77% | +0.95% | 65th above |
See Farmers and Merchants State Bank of Appleton'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 Appleton, 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 Appleton profile, how to read a UBPR, or how this data updates.