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 Burlington, IA 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 | 0.85% | 1.35% | -0.50% | 25th below |
| ROAE | 10.11% | 12.05% | -1.94% | 37th below |
| Net Interest Margin | 3.61% | 3.90% | -0.29% | 32nd below |
| Efficiency Ratio | 78.46% | 63.14% | +15.32% | 15th bottom |
| PPNR / Avg Assets | 1.15% | 1.64% | -0.49% | 27th below |
| Yield on Earning Assets | 4.24% | 5.65% | -1.41% | 5th bottom |
| Cost of Funds | 0.62% | 1.85% | -1.23% | 97th top |
| Net Interest Spread | 3.49% | 3.35% | +0.14% | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.66% | 0.92% | +0.74% | 16th bottom |
| NPA / Total Assets | 1.03% | 0.67% | +0.36% | 19th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 41st below |
| ACL / Total Loans | 1.52% | 1.28% | +0.24% | 80th top |
| ACL / NPLs (Coverage) | 91.45% | 1645.80% | -1554.35% | 25th below |
| Texas Ratio | 10.94% | 7.15% | +3.79% | 20th bottom |
| Provision / NCO | 4466.67% | 1187.22% | +3279.45% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.22% | 20.83% | -3.61% | 65th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.22% | 20.86% | -3.64% | 65th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.48% | 21.94% | -3.46% | 65th above |
| Leverage Ratio | 10.73% | 12.46% | -1.73% | 45th below |
| Equity / Assets | 8.46% | 11.67% | -3.21% | 19th bottom |
| TCE / Tangible Assets | 8.46% | 11.40% | -2.94% | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.80% | 78.65% | -9.85% | 72nd above |
| Core Deposit Ratio | 100.00% | 87.09% | +12.91% | 100th top |
| Wholesale Funding Ratio | 1.01% | 5.12% | -4.11% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.20% | 6.48% | -8.68% | 10th bottom |
| Loan Growth (Y/Y) | 4.41% | 7.64% | -3.23% | 44th below |
| Deposit Growth (Y/Y) | -1.04% | 6.03% | -7.07% | 18th bottom |
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.