Farmers & Merchants Bank of North Dakota: 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 North Dakota of Tolna, ND against its peer group of 2672 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 | 1.09% | 1.35% | -0.26% | 38th below |
| ROAE | 11.32% | 12.05% | -0.73% | 43rd below |
| Net Interest Margin | 3.23% | 3.90% | -0.67% | 17th bottom |
| Efficiency Ratio | 65.96% | 63.15% | +2.81% | 37th below |
| PPNR / Avg Assets | 1.05% | 1.64% | -0.59% | 23rd bottom |
| Yield on Earning Assets | 4.64% | 5.65% | -1.01% | 12th bottom |
| Cost of Funds | 1.49% | 1.85% | -0.36% | 70th above |
| Net Interest Spread | 2.63% | 3.35% | -0.72% | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.03% | 0.92% | +1.11% | 13th bottom |
| NPA / Total Assets | 0.80% | 0.67% | +0.13% | 26th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 32nd below |
| ACL / Total Loans | 1.01% | 1.28% | -0.27% | 27th below |
| ACL / NPLs (Coverage) | 49.74% | 1645.82% | -1596.08% | 10th bottom |
| Texas Ratio | 9.03% | 7.15% | +1.88% | 25th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.99% | 12.46% | -1.47% | 50th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.48% | 11.67% | -1.19% | 52nd above |
| TCE / Tangible Assets | 9.37% | 11.40% | -2.03% | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 44.07% | 78.66% | -34.59% | 94th top |
| Core Deposit Ratio | 90.79% | 87.09% | +3.70% | 59th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.36% | 6.48% | -4.12% | 35th below |
| Loan Growth (Y/Y) | -9.78% | 7.65% | -17.43% | 3rd bottom |
| Deposit Growth (Y/Y) | 1.77% | 6.02% | -4.25% | 34th below |
See Farmers & Merchants Bank of North Dakota's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers & Merchants Bank of North Dakota, 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 North Dakota profile, how to read a UBPR, or how this data updates.