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 Stuttgart, AR against its peer group of 927 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 | 1.08% | 1.46% | -0.38% | 35th below |
| ROAE | 9.76% | 12.69% | -2.93% | 30th below |
| Net Interest Margin | 4.04% | 3.85% | +0.19% | 71st above |
| Efficiency Ratio | 62.42% | 57.40% | +5.02% | 38th below |
| PPNR / Avg Assets | 1.58% | 1.88% | -0.30% | 41st below |
| Yield on Earning Assets | 6.03% | 5.72% | +0.31% | 77th top |
| Cost of Funds | 2.10% | 2.02% | +0.08% | 44th below |
| Net Interest Spread | 3.58% | 3.18% | +0.40% | 81st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.65% | 1.00% | -0.35% | 48th below |
| NPA / Total Assets | 0.48% | 0.76% | -0.28% | 51st above |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 57th above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.29% | 1.31% | -0.02% | 68th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 198.47% | 564.65% | -366.18% | 54th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.02% | 7.39% | -2.37% | 49th below |
| Provision / NCO | 1930.00% | 617.34% | +1312.66% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.79% | 11.44% | -1.65% | 31st below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.19% | 11.33% | -0.14% | 63rd above |
| TCE / Tangible Assets | 8.88% | 10.50% | -1.62% | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.33% | 86.96% | -3.63% | 63rd above |
| Core Deposit Ratio | 88.50% | 85.55% | +2.95% | 50th above |
| Uninsured Deposit Ratio | 30.60% | 33.13% | -2.53% | 51st above |
| Wholesale Funding Ratio | 2.75% | 5.70% | -2.95% | 61st above |
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. | 6.32% | 9.68% | -3.36% | 58th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.86% | 8.06% | -2.20% | 51st above |
| Deposit Growth (Y/Y) | 11.19% | 7.87% | +3.32% | 79th top |
See The Farmers & Merchants Bank's peers by name
The 927 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.