The Farmers Bank: 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 Portland, TN 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 | 1.60% | 1.35% | +0.25% | 69th above |
| ROAE Ahead of the peer average, behind the median peer. | 12.15% | 12.05% | +0.10% | 49th below |
| Net Interest Margin | 4.69% | 3.90% | +0.79% | 86th top |
| Efficiency Ratio | 56.34% | 63.15% | -6.81% | 65th above |
| PPNR / Avg Assets | 2.15% | 1.64% | +0.51% | 78th top |
| Yield on Earning Assets | 6.14% | 5.65% | +0.49% | 75th top |
| Cost of Funds | 1.64% | 1.85% | -0.21% | 60th above |
| Net Interest Spread | 3.91% | 3.35% | +0.56% | 80th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.64% | 0.92% | -0.28% | 39th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.42% | 0.67% | -0.25% | 42nd below |
| NCO / Avg Loans | 0.15% | 0.15% | +0.00% | 15th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.28% | -0.06% | 52nd above |
| ACL / NPLs (Coverage) | 191.03% | 1645.76% | -1454.73% | 47th below |
| Texas Ratio | 2.95% | 7.15% | -4.20% | 54th above |
| Provision / NCO | 24.84% | 1189.91% | -1165.07% | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 20.50% | 20.83% | -0.33% | 79th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 20.50% | 20.86% | -0.36% | 79th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 21.66% | 21.94% | -0.28% | 79th top |
| Leverage Ratio | 15.09% | 12.46% | +2.63% | 87th top |
| Equity / Assets | 13.83% | 11.67% | +2.16% | 83rd top |
| TCE / Tangible Assets | 13.61% | 11.40% | +2.21% | 84th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.60% | 78.64% | -0.04% | 54th above |
| Core Deposit Ratio | 81.98% | 87.10% | -5.12% | 20th bottom |
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. | 5.88% | 6.47% | -0.59% | 61st above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.34% | 7.64% | -2.30% | 50th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.28% | 6.02% | -0.74% | 59th above |
See The Farmers Bank'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, 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 profile, how to read a UBPR, or how this data updates.