Farmers & Merchants Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers & Merchants Bank of Timberville, VA against its peer group of 931 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 | 1.52% | 1.46% | +0.06% | 68th above |
| ROAE | 19.02% | 12.71% | +6.31% | 87th top |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.79% | 3.85% | -0.06% | 56th above |
| Efficiency Ratio | 49.29% | 57.41% | -8.12% | 76th top |
| PPNR / Avg Assets | 2.89% | 1.88% | +1.01% | 94th top |
| Yield on Earning Assets | 5.47% | 5.72% | -0.25% | 46th below |
| Cost of Funds | 1.76% | 2.02% | -0.26% | 65th above |
| Net Interest Spread | 3.18% | 3.18% | +0.00% | 58th 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. | 0.98% | 1.00% | -0.02% | 33rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.65% | 0.76% | -0.11% | 39th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.43% | -0.37% | 39th below |
| ACL / Total Loans | 0.87% | 1.31% | -0.44% | 18th bottom |
| ACL / NPLs (Coverage) | 89.28% | 543.60% | -454.32% | 24th bottom |
| Texas Ratio | 7.68% | 7.39% | +0.29% | 32nd below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 180.85% | 618.88% | -438.03% | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.50% | 17.34% | -3.84% | 50th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.50% | 17.37% | -3.87% | 50th above |
| Total Capital Ratio | 14.43% | 18.42% | -3.99% | 46th below |
| Leverage Ratio | 9.10% | 11.44% | -2.34% | 14th bottom |
| Equity / Assets | 8.31% | 11.34% | -3.03% | 10th bottom |
| TCE / Tangible Assets | 8.12% | 10.50% | -2.38% | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.24% | 86.96% | -13.72% | 81st top |
| Core Deposit Ratio | 97.20% | 85.55% | +11.65% | 94th top |
| Uninsured Deposit Ratio | 14.13% | 33.13% | -19.00% | 93rd top |
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. | 6.53% | 9.68% | -3.15% | 59th above |
| Loan Growth (Y/Y) | 9.03% | 8.06% | +0.97% | 70th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.35% | 7.87% | -2.52% | 54th above |
See Farmers & Merchants Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers & Merchants 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 Farmers & Merchants Bank profile, how to read a UBPR, or how this data updates.