The Farmers Bank of Appomattox: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Farmers Bank of Appomattox of Appomattox, 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 | 1.26% | 1.35% | -0.09% | 49th below |
| ROAE | 11.94% | 12.05% | -0.11% | 47th below |
| Net Interest Margin | 4.21% | 3.90% | +0.31% | 65th above |
| Efficiency Ratio | 74.98% | 63.14% | +11.84% | 20th bottom |
| PPNR / Avg Assets | 1.79% | 1.64% | +0.15% | 62nd above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.59% | 5.65% | -0.06% | 50th above |
| Cost of Funds | 1.48% | 1.85% | -0.37% | 70th above |
| Net Interest Spread | 3.74% | 3.35% | +0.39% | 72nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.59% | 0.92% | -0.33% | 42nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.41% | 0.67% | -0.26% | 43rd below |
| NCO / Avg Loans | 0.44% | 0.14% | +0.30% | 7th bottom |
| ACL / Total Loans | 0.61% | 1.28% | -0.67% | 5th bottom |
| ACL / NPLs (Coverage) | 103.79% | 1645.79% | -1542.00% | 29th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.64% | 7.15% | -3.51% | 49th below |
| Provision / NCO | 121.12% | 1189.85% | -1068.73% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.53% | 20.83% | -2.30% | 72nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.53% | 20.86% | -2.33% | 72nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.18% | 21.94% | -2.76% | 69th above |
| Leverage Ratio | 12.58% | 12.46% | +0.12% | 71st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.79% | 11.67% | -0.88% | 57th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.79% | 11.40% | -0.61% | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.88% | 78.64% | +4.24% | 45th below |
| Core Deposit Ratio | 86.30% | 87.09% | -0.79% | 36th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.72% | 5.11% | -0.39% | 40th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.31% | 6.48% | -4.17% | 34th below |
| Loan Growth (Y/Y) | 9.64% | 7.64% | +2.00% | 72nd above |
| Deposit Growth (Y/Y) | -2.59% | 6.03% | -8.62% | 11th bottom |
See The Farmers Bank of Appomattox's peers by name
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Unlock The Farmers Bank of Appomattox, 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 of Appomattox profile, how to read a UBPR, or how this data updates.