Farmers and Merchants State Bank of Bushnell: 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 Bushnell of Bushnell, IL 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 Behind the peer average, ahead of the median peer. | 1.79% | 3.14% | -1.35% | 78th top |
| ROAE | 18.76% | 10.40% | +8.36% | 89th top |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.91% | 3.93% | -0.02% | 53rd above |
| Efficiency Ratio | 50.97% | 76.36% | -25.39% | 86th top |
| PPNR / Avg Assets | 2.43% | 1.40% | +1.03% | 89th top |
| Yield on Earning Assets | 4.42% | 5.35% | -0.93% | 20th bottom |
| Cost of Funds | 0.55% | 1.71% | -1.16% | 94th top |
| Net Interest Spread | 3.68% | 3.31% | +0.37% | 65th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.83% | 1.49% | -0.66% | 17th bottom |
| Texas Ratio | 0.00% | 8.27% | -8.27% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 23.72% | 62.06% | -38.34% | 55th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 23.72% | 62.06% | -38.34% | 55th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 24.51% | 63.03% | -38.52% | 54th above |
| Leverage Ratio | 10.49% | 17.62% | -7.13% | 23rd bottom |
| Equity / Assets | 10.05% | 16.44% | -6.39% | 26th below |
| TCE / Tangible Assets | 10.05% | 16.19% | -6.14% | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 48.50% | 72.89% | -24.39% | 73rd above |
| Core Deposit Ratio | 97.55% | 88.19% | +9.36% | 85th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.38% | 4.31% | -3.93% | 36th below |
| Loan Growth (Y/Y) | -4.44% | 6.75% | -11.19% | 21st bottom |
| Deposit Growth (Y/Y) | -1.39% | 3.78% | -5.17% | 27th below |
See Farmers and Merchants State Bank of Bushnell's peers by name
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Unlock Farmers and Merchants State Bank of Bushnell, 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 Bushnell profile, how to read a UBPR, or how this data updates.