Farmers Bank of Northern Missouri: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers Bank of Northern Missouri of Unionville, MO against its peer group of 2603 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 | 1.46% | 1.34% | +0.12% | 61st above |
| ROAE Behind the peer average, ahead of the median peer. | 13.00% | 13.32% | -0.32% | 54th above |
| Net Interest Margin | 3.81% | 3.93% | -0.12% | 43rd below |
| Efficiency Ratio | 51.45% | 61.14% | -9.69% | 78th top |
| PPNR / Avg Assets | 1.90% | 1.68% | +0.22% | 68th above |
| Yield on Earning Assets | 5.28% | 5.67% | -0.39% | 34th below |
| Cost of Funds | 1.62% | 1.88% | -0.26% | 61st 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 | 0.32% | 0.94% | -0.62% | 56th above |
| NPA / Total Assets | 0.20% | 0.70% | -0.50% | 60th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 47th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.20% | 1.28% | -0.08% | 51st above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 375.24% | 1546.82% | -1171.58% | 65th above |
| Texas Ratio | 1.72% | 7.34% | -5.62% | 65th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 702.63% | 1395.44% | -692.81% | 77th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.71% | 12.14% | +0.57% | 72nd above |
| Equity / Assets | 11.61% | 11.36% | +0.25% | 67th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.02% | 11.08% | -0.06% | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.91% | 80.67% | -11.76% | 72nd above |
| Core Deposit Ratio | 93.04% | 86.85% | +6.19% | 74th above |
| Wholesale Funding Ratio | 3.35% | 5.04% | -1.69% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.13% | 6.84% | -0.71% | 63rd above |
| Loan Growth (Y/Y) | 9.33% | 7.92% | +1.41% | 71st above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.58% | 6.29% | -0.71% | 61st above |
See Farmers Bank of Northern Missouri's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers Bank of Northern Missouri, 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 of Northern Missouri profile, how to read a UBPR, or how this data updates.