Farmers & Merchants Bank of Colby: 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 Colby of Colby, KS 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 | 1.62% | 1.34% | +0.28% | 70th above |
| ROAE | 14.65% | 13.32% | +1.33% | 64th above |
| Net Interest Margin | 3.68% | 3.93% | -0.25% | 36th below |
| Efficiency Ratio | 40.29% | 61.14% | -20.85% | 95th top |
| PPNR / Avg Assets | 1.93% | 1.68% | +0.25% | 69th above |
| Yield on Earning Assets | 6.46% | 5.67% | +0.79% | 86th top |
| Cost of Funds | 2.84% | 1.88% | +0.96% | 8th bottom |
| Net Interest Spread | 3.11% | 3.32% | -0.21% | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 91st top |
| ACL / Total Loans | 0.99% | 1.28% | -0.29% | 25th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.99% | 7.34% | -3.35% | 47th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.23% | 12.14% | -0.91% | 54th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.33% | 11.36% | -0.03% | 64th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.70% | 11.08% | -0.38% | 60th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.96% | 80.65% | +13.31% | 21st bottom |
| Core Deposit Ratio | 72.27% | 86.86% | -14.59% | 7th bottom |
| Wholesale Funding Ratio | 9.60% | 5.03% | +4.57% | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.92% | 6.84% | +3.08% | 83rd top |
| Loan Growth (Y/Y) | 10.27% | 7.92% | +2.35% | 74th above |
| Deposit Growth (Y/Y) | 11.77% | 6.29% | +5.48% | 87th top |
See Farmers & Merchants Bank of Colby's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers & Merchants Bank of Colby, 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 of Colby profile, how to read a UBPR, or how this data updates.