Farmers & Merchants Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers & Merchants Bank & Trust of Marinette, 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 | 1.03% | 1.34% | -0.31% | 35th below |
| ROAE | 11.25% | 13.31% | -2.06% | 43rd below |
| Net Interest Margin | 4.20% | 3.93% | +0.27% | 64th above |
| Efficiency Ratio | 69.38% | 61.14% | +8.24% | 30th below |
| PPNR / Avg Assets | 1.31% | 1.68% | -0.37% | 35th below |
| Yield on Earning Assets | 5.54% | 5.67% | -0.13% | 47th below |
| Cost of Funds | 1.50% | 1.88% | -0.38% | 69th above |
| Net Interest Spread | 3.75% | 3.32% | +0.43% | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.91% | 0.94% | -0.03% | 30th below |
| NPA / Total Assets | 0.71% | 0.70% | +0.01% | 29th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.02% | 1.28% | -0.26% | 28th below |
| ACL / NPLs (Coverage) | 111.30% | 1538.94% | -1427.64% | 31st below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.01% | 7.33% | -0.32% | 31st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.26% | 19.50% | -3.24% | 59th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.26% | 19.54% | -3.28% | 59th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.35% | 20.62% | -3.27% | 59th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.36% | 12.14% | -0.78% | 56th above |
| Equity / Assets | 9.40% | 11.37% | -1.97% | 34th below |
| TCE / Tangible Assets | 9.40% | 11.09% | -1.69% | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.58% | 80.64% | +2.94% | 44th below |
| Core Deposit Ratio | 95.29% | 86.86% | +8.43% | 85th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.86% | 5.03% | -0.17% | 39th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.69% | 6.85% | -3.16% | 44th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.78% | 7.90% | -1.12% | 59th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.34% | 6.29% | -0.95% | 60th above |
See Farmers & Merchants Bank & Trust'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 & Trust, 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 & Trust profile, how to read a UBPR, or how this data updates.