The Farmers & Merchants Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Farmers & Merchants Bank of Berlin, WI 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 | 1.25% | 1.34% | -0.09% | 49th below |
| ROAE | 14.50% | 13.31% | +1.19% | 63rd above |
| Net Interest Margin | 3.52% | 3.93% | -0.41% | 28th below |
| Efficiency Ratio | 47.42% | 61.15% | -13.73% | 86th top |
| PPNR / Avg Assets | 1.77% | 1.68% | +0.09% | 61st above |
| Yield on Earning Assets | 6.34% | 5.67% | +0.67% | 82nd top |
| Cost of Funds | 3.12% | 1.88% | +1.24% | 4th bottom |
| Net Interest Spread | 2.94% | 3.32% | -0.38% | 30th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.89% | 0.94% | +1.95% | 7th bottom |
| NPA / Total Assets | 2.65% | 0.70% | +1.95% | 5th bottom |
| NCO / Avg Loans | 0.35% | 0.16% | +0.19% | 8th bottom |
| ACL / Total Loans | 1.40% | 1.28% | +0.12% | 72nd above |
| ACL / NPLs (Coverage) | 48.53% | 1540.17% | -1491.64% | 10th bottom |
| Texas Ratio | 25.83% | 7.31% | +18.52% | 4th bottom |
| Provision / NCO | 134.40% | 1397.25% | -1262.85% | 47th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.76% | 19.51% | -6.75% | 25th below |
| Tier 1 Ratio | 12.76% | 19.55% | -6.79% | 24th bottom |
| Total Capital Ratio | 14.01% | 20.63% | -6.62% | 26th below |
| Leverage Ratio | 10.02% | 12.14% | -2.12% | 32nd below |
| Equity / Assets | 9.17% | 11.38% | -2.21% | 30th below |
| TCE / Tangible Assets | 9.17% | 11.09% | -1.92% | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.42% | 80.62% | +13.80% | 20th bottom |
| Core Deposit Ratio | 46.17% | 86.90% | -40.73% | 1st bottom |
| Wholesale Funding Ratio | 7.58% | 5.03% | +2.55% | 23rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.31% | 6.86% | -7.17% | 18th bottom |
| Loan Growth (Y/Y) | 0.08% | 7.91% | -7.83% | 23rd bottom |
| Deposit Growth (Y/Y) | -5.72% | 6.30% | -12.02% | 6th bottom |
See The Farmers & Merchants Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The 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 The Farmers & Merchants Bank profile, how to read a UBPR, or how this data updates.