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 Carnegie, OK 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 | 0.90% | 1.34% | -0.44% | 28th below |
| ROAE | 8.00% | 13.32% | -5.32% | 25th below |
| Net Interest Margin | 4.47% | 3.93% | +0.54% | 78th top |
| Efficiency Ratio | 68.41% | 61.13% | +7.28% | 32nd below |
| PPNR / Avg Assets | 1.44% | 1.68% | -0.24% | 41st below |
| Yield on Earning Assets | 7.06% | 5.67% | +1.39% | 95th top |
| Cost of Funds | 2.96% | 1.88% | +1.08% | 6th bottom |
| Net Interest Spread | 3.50% | 3.32% | +0.18% | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.27% | 0.94% | -0.67% | 59th above |
| NPA / Total Assets | 0.23% | 0.70% | -0.47% | 57th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 37th below |
| ACL / Total Loans | 1.09% | 1.28% | -0.19% | 38th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 410.43% | 1546.29% | -1135.86% | 66th above |
| Texas Ratio | 2.67% | 7.34% | -4.67% | 56th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 657.89% | 1395.02% | -737.13% | 76th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.58% | 12.14% | -0.56% | 59th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.41% | 11.36% | -0.95% | 51st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.41% | 11.08% | -0.67% | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.93% | 80.66% | +20.27% | 10th bottom |
| Core Deposit Ratio | 64.05% | 86.85% | -22.80% | 3rd bottom |
| Wholesale Funding Ratio | 2.15% | 5.04% | -2.89% | 66th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 34.87% | 6.84% | +28.03% | 98th top |
| Loan Growth (Y/Y) | 33.29% | 7.91% | +25.38% | 97th top |
| Deposit Growth (Y/Y) | 31.56% | 6.29% | +25.27% | 97th top |
See The Farmers Bank's peers by name
The 2603 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.