Farmers and Merchants State Bank of Pierz: 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 Pierz of Pierz, MN 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 | 2.10% | 1.34% | +0.76% | 88th top |
| ROAE | 31.02% | 13.32% | +17.70% | 98th top |
| Net Interest Margin | 4.87% | 3.93% | +0.94% | 90th top |
| Efficiency Ratio | 55.73% | 61.13% | -5.40% | 67th above |
| PPNR / Avg Assets | 2.21% | 1.68% | +0.53% | 80th top |
| Yield on Earning Assets | 6.09% | 5.67% | +0.42% | 72nd above |
| Cost of Funds | 1.31% | 1.88% | -0.57% | 79th top |
| Net Interest Spread | 4.25% | 3.32% | +0.93% | 91st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.55% | 0.94% | +1.61% | 9th bottom |
| NPA / Total Assets | 1.68% | 0.70% | +0.98% | 10th bottom |
| NCO / Avg Loans | 0.37% | 0.16% | +0.21% | 8th bottom |
| ACL / Total Loans | 1.32% | 1.28% | +0.04% | 65th above |
| ACL / NPLs (Coverage) | 51.72% | 1546.65% | -1494.93% | 11th bottom |
| Texas Ratio | 21.53% | 7.33% | +14.20% | 7th bottom |
| Provision / NCO | 75.41% | 1395.52% | -1320.11% | 34th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.28% | 12.14% | -2.86% | 17th bottom |
| Equity / Assets | 6.99% | 11.37% | -4.38% | 6th bottom |
| TCE / Tangible Assets | 6.93% | 11.08% | -4.15% | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.69% | 80.66% | -8.97% | 68th above |
| Core Deposit Ratio | 94.71% | 86.85% | +7.86% | 83rd top |
| Wholesale Funding Ratio | 0.89% | 5.04% | -4.15% | 83rd top |
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. | 4.61% | 6.84% | -2.23% | 51st above |
| Loan Growth (Y/Y) | 10.39% | 7.92% | +2.47% | 75th top |
| Deposit Growth (Y/Y) | 3.35% | 6.29% | -2.94% | 45th below |
See Farmers and Merchants State Bank of Pierz's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers and Merchants State Bank of Pierz, 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 Pierz profile, how to read a UBPR, or how this data updates.