Farmers and Miners Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers and Miners Bank of Pennington Gap, VA against its peer group of 2672 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 | 1.78% | 1.34% | +0.44% | 77th top |
| ROAE | 13.70% | 13.31% | +0.39% | 58th above |
| Net Interest Margin | 4.85% | 3.93% | +0.92% | 89th top |
| Efficiency Ratio | 58.47% | 61.14% | -2.67% | 58th above |
| PPNR / Avg Assets | 2.20% | 1.68% | +0.52% | 80th top |
| Yield on Earning Assets | 5.78% | 5.67% | +0.11% | 58th above |
| Cost of Funds | 1.06% | 1.88% | -0.82% | 89th top |
| Net Interest Spread | 4.08% | 3.32% | +0.76% | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.40% | 0.94% | -0.54% | 50th above |
| NPA / Total Assets | 0.21% | 0.70% | -0.49% | 59th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.12% | 0.16% | -0.04% | 17th bottom |
| ACL / Total Loans | 1.55% | 1.28% | +0.27% | 81st top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 385.64% | 1538.91% | -1153.27% | 66th above |
| Texas Ratio | 2.34% | 7.33% | -4.99% | 60th above |
| Provision / NCO | 117.65% | 1395.85% | -1278.20% | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.28% | 12.14% | +1.14% | 77th top |
| Equity / Assets | 13.17% | 11.37% | +1.80% | 79th top |
| TCE / Tangible Assets | 13.17% | 11.09% | +2.08% | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.48% | 80.64% | -20.16% | 83rd top |
| Core Deposit Ratio | 91.13% | 86.86% | +4.27% | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.44% | 6.85% | +0.59% | 72nd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.09% | 7.90% | -1.81% | 55th above |
| Deposit Growth (Y/Y) | 7.41% | 6.29% | +1.12% | 73rd above |
See Farmers and Miners Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers and Miners 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 Farmers and Miners Bank profile, how to read a UBPR, or how this data updates.