The Farmers Bank and Savings Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Farmers Bank and Savings Company of Pomeroy, OH 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 | 0.94% | 1.35% | -0.41% | 30th below |
| ROAE | 10.33% | 12.05% | -1.72% | 38th below |
| Net Interest Margin | 3.86% | 3.90% | -0.04% | 46th below |
| Efficiency Ratio | 68.57% | 63.15% | +5.42% | 32nd below |
| PPNR / Avg Assets | 1.25% | 1.64% | -0.39% | 31st below |
| Yield on Earning Assets | 5.65% | 5.65% | +0.00% | 52nd above |
| Cost of Funds | 1.86% | 1.85% | +0.01% | 46th below |
| Net Interest Spread | 3.19% | 3.35% | -0.16% | 43rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.98% | 0.92% | +0.06% | 29th below |
| NPA / Total Assets | 0.70% | 0.67% | +0.03% | 30th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 39th below |
| ACL / Total Loans | 1.01% | 1.28% | -0.27% | 27th below |
| ACL / NPLs (Coverage) | 102.83% | 1645.80% | -1542.97% | 28th below |
| Texas Ratio | 7.58% | 7.15% | +0.43% | 29th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 631.58% | 1189.54% | -557.96% | 76th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.25% | 12.46% | -3.21% | 16th bottom |
| Equity / Assets | 9.23% | 11.67% | -2.44% | 31st below |
| TCE / Tangible Assets | 8.60% | 11.40% | -2.80% | 25th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 79.31% | 78.64% | +0.67% | 53rd above |
| Core Deposit Ratio | 89.85% | 87.09% | +2.76% | 53rd above |
| Wholesale Funding Ratio | 0.15% | 5.12% | -4.97% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.19% | 6.48% | -4.29% | 34th below |
| Loan Growth (Y/Y) | 11.79% | 7.64% | +4.15% | 79th top |
| Deposit Growth (Y/Y) | 1.53% | 6.02% | -4.49% | 32nd below |
See The Farmers Bank and Savings Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Farmers Bank and Savings Company, 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 Bank and Savings Company profile, how to read a UBPR, or how this data updates.