The Farmers and Merchants State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Farmers and Merchants State Bank of Scotland, SD 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. | 1.13% | 3.33% | -2.20% | 55th above |
| ROAE | 11.84% | 8.28% | +3.56% | 67th above |
| Net Interest Margin | 4.23% | 3.92% | +0.31% | 65th above |
| Efficiency Ratio | 68.28% | 84.50% | -16.22% | 53rd above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.29% | 1.56% | -0.27% | 53rd above |
| Yield on Earning Assets | 5.14% | 5.24% | -0.10% | 47th below |
| Cost of Funds | 1.01% | 1.67% | -0.66% | 78th top |
| Net Interest Spread | 3.84% | 3.30% | +0.54% | 72nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.42% | -1.42% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 1.61% | 1.53% | +0.08% | 73rd above |
| Texas Ratio | 0.29% | 8.57% | -8.28% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.89% | 22.10% | -10.21% | 37th below |
| Equity / Assets | 9.92% | 20.74% | -10.82% | 25th below |
| TCE / Tangible Assets | 9.92% | 20.49% | -10.57% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 41.65% | 74.32% | -32.67% | 82nd top |
| Core Deposit Ratio | 94.70% | 88.30% | +6.40% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.30% | 3.82% | +0.48% | 59th above |
| Loan Growth (Y/Y) | 0.16% | 6.86% | -6.70% | 41st below |
| Deposit Growth (Y/Y) | 3.38% | 2.98% | +0.40% | 57th above |
See The Farmers and Merchants State Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Farmers and Merchants State Bank, 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 The Farmers and Merchants State Bank profile, how to read a UBPR, or how this data updates.