Farmers & Merchants Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers & Merchants Savings Bank of Iowa City, IA against its peer group of 2603 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 | 1.07% | 1.34% | -0.27% | 38th below |
| ROAE | 7.78% | 13.32% | -5.54% | 24th bottom |
| Net Interest Margin | 3.53% | 3.93% | -0.40% | 28th below |
| Efficiency Ratio | 60.62% | 61.13% | -0.51% | 52nd above |
| PPNR / Avg Assets | 1.36% | 1.68% | -0.32% | 37th below |
| Yield on Earning Assets | 5.18% | 5.67% | -0.49% | 30th below |
| Cost of Funds | 1.80% | 1.88% | -0.08% | 50th above |
| Net Interest Spread | 2.81% | 3.32% | -0.51% | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.29% | 1.28% | +0.01% | 61st above |
| Texas Ratio | 0.00% | 7.34% | -7.34% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.62% | 12.14% | +1.48% | 79th top |
| Equity / Assets | 13.99% | 11.36% | +2.63% | 84th top |
| TCE / Tangible Assets | 12.89% | 11.08% | +1.81% | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.36% | 80.66% | -3.30% | 57th above |
| Core Deposit Ratio | 90.92% | 86.85% | +4.07% | 61st above |
| Wholesale Funding Ratio | 1.63% | 5.04% | -3.41% | 73rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.05% | 6.84% | -5.79% | 26th below |
| Loan Growth (Y/Y) | 0.79% | 7.92% | -7.13% | 26th below |
| Deposit Growth (Y/Y) | 2.06% | 6.29% | -4.23% | 35th below |
See Farmers & Merchants Savings Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers & Merchants Savings 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 Farmers & Merchants Savings Bank profile, how to read a UBPR, or how this data updates.