Farmers Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers Bank of Ault, CO 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 | 1.72% | 1.34% | +0.38% | 75th top |
| ROAE | 28.01% | 13.31% | +14.70% | 97th top |
| Net Interest Margin | 3.76% | 3.93% | -0.17% | 40th below |
| Efficiency Ratio | 54.45% | 61.14% | -6.69% | 71st above |
| PPNR / Avg Assets | 1.72% | 1.68% | +0.04% | 58th above |
| Yield on Earning Assets | 5.23% | 5.67% | -0.44% | 32nd below |
| Cost of Funds | 1.66% | 1.88% | -0.22% | 59th above |
| Net Interest Spread | 3.02% | 3.32% | -0.30% | 33rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 13.93% | 0.94% | +12.99% | 0th bottom |
| NPA / Total Assets | 8.18% | 0.70% | +7.48% | 0th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 33rd below |
| ACL / Total Loans | 1.47% | 1.28% | +0.19% | 77th top |
| ACL / NPLs (Coverage) | 10.59% | 1539.15% | -1528.56% | 0th bottom |
| Texas Ratio | 108.41% | 7.30% | +101.11% | 0th bottom |
| Provision / NCO | 0.00% | 1396.10% | -1396.10% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.02% | 12.14% | +0.88% | 75th top |
| Equity / Assets | 6.71% | 11.38% | -4.67% | 5th bottom |
| TCE / Tangible Assets | 6.71% | 11.09% | -4.38% | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.48% | 80.64% | -19.16% | 82nd top |
| Core Deposit Ratio | 74.10% | 86.86% | -12.76% | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.97% | 6.85% | -7.82% | 14th bottom |
| Loan Growth (Y/Y) | -8.09% | 7.91% | -16.00% | 4th bottom |
| Deposit Growth (Y/Y) | -1.79% | 6.29% | -8.08% | 14th bottom |
See Farmers Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers 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 Bank profile, how to read a UBPR, or how this data updates.