Farmers Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers Bank & Trust Company of Magnolia, AR against its peer group of 927 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 Behind the peer average, ahead of the median peer. | 1.43% | 1.46% | -0.03% | 62nd above |
| ROAE | 16.11% | 12.69% | +3.42% | 77th top |
| Net Interest Margin | 4.04% | 3.85% | +0.19% | 71st above |
| Efficiency Ratio Behind the peer average, ahead of the median peer. | 58.48% | 57.40% | +1.08% | 50th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.81% | 1.88% | -0.07% | 57th above |
| Yield on Earning Assets | 6.05% | 5.72% | +0.33% | 77th top |
| Cost of Funds | 2.13% | 2.02% | +0.11% | 42nd below |
| Net Interest Spread | 3.35% | 3.18% | +0.17% | 67th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.29% | 1.00% | +0.29% | 23rd bottom |
| NPA / Total Assets | 0.99% | 0.76% | +0.23% | 25th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.25% | 0.43% | -0.18% | 16th bottom |
| ACL / Total Loans | 1.34% | 1.31% | +0.03% | 75th top |
| ACL / NPLs (Coverage) | 104.04% | 564.94% | -460.90% | 32nd below |
| Texas Ratio | 11.22% | 7.38% | +3.84% | 20th bottom |
| Provision / NCO | -60.68% | 619.53% | -680.21% | 6th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.87% | 11.44% | -1.57% | 33rd below |
| Equity / Assets | 9.15% | 11.34% | -2.19% | 24th bottom |
| TCE / Tangible Assets | 8.10% | 10.50% | -2.40% | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.45% | 86.95% | +2.50% | 47th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.12% | 85.55% | +0.57% | 38th below |
| Uninsured Deposit Ratio | 29.39% | 33.13% | -3.74% | 56th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.02% | 5.70% | -1.68% | 49th below |
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. | 5.87% | 9.68% | -3.81% | 54th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.59% | 8.06% | -1.47% | 56th above |
| Deposit Growth (Y/Y) | 0.09% | 7.89% | -7.80% | 20th bottom |
See Farmers Bank & Trust Company's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers Bank & Trust 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 Farmers Bank & Trust Company profile, how to read a UBPR, or how this data updates.