Farmers & Merchants Bank of Hutsonville: 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 Hutsonville of Hutsonville, IL against its peer group of 536 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. | 1.87% | 3.32% | -1.45% | 81st top |
| ROAE | 10.23% | 8.28% | +1.95% | 60th above |
| Net Interest Margin | 3.74% | 3.92% | -0.18% | 42nd below |
| Efficiency Ratio | 45.78% | 84.53% | -38.75% | 92nd top |
| PPNR / Avg Assets | 1.99% | 1.56% | +0.43% | 79th top |
| Yield on Earning Assets | 5.58% | 5.24% | +0.34% | 65th above |
| Cost of Funds | 2.11% | 1.67% | +0.44% | 23rd bottom |
| Net Interest Spread | 3.14% | 3.30% | -0.16% | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.42% | -1.42% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 0.24% | 1.53% | -1.29% | 1st bottom |
| Texas Ratio | 0.00% | 8.57% | -8.57% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 18.48% | 22.09% | -3.61% | 77th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 18.80% | 20.73% | -1.93% | 78th top |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 18.80% | 20.48% | -1.68% | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.85% | 74.23% | +15.62% | 19th bottom |
| Core Deposit Ratio | 81.62% | 88.32% | -6.70% | 15th 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. | 3.30% | 3.82% | -0.52% | 54th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.81% | 6.85% | -3.04% | 55th above |
| Deposit Growth (Y/Y) | 3.11% | 2.98% | +0.13% | 56th above |
See Farmers & Merchants Bank of Hutsonville's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers & Merchants Bank of Hutsonville, 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 Hutsonville profile, how to read a UBPR, or how this data updates.