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 Manchester, 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 | 1.18% | 1.35% | -0.17% | 44th below |
| ROAE | 9.50% | 13.33% | -3.83% | 33rd below |
| Net Interest Margin | 4.42% | 3.93% | +0.49% | 76th top |
| Efficiency Ratio | 47.40% | 61.14% | -13.74% | 86th top |
| PPNR / Avg Assets | 2.37% | 1.68% | +0.69% | 86th top |
| Yield on Earning Assets | 5.89% | 5.67% | +0.22% | 63rd above |
| Cost of Funds | 1.66% | 1.88% | -0.22% | 59th above |
| Net Interest Spread | 3.63% | 3.32% | +0.31% | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.63% | 0.94% | +0.69% | 16th bottom |
| NPA / Total Assets | 1.22% | 0.70% | +0.52% | 15th bottom |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 76th top |
| ACL / Total Loans | 2.09% | 1.28% | +0.81% | 94th top |
| ACL / NPLs (Coverage) | 127.98% | 1547.05% | -1419.07% | 35th below |
| Texas Ratio | 9.27% | 7.34% | +1.93% | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.66% | 19.49% | -5.83% | 35th below |
| Tier 1 Ratio | 13.66% | 19.52% | -5.86% | 35th below |
| Total Capital Ratio | 14.92% | 20.61% | -5.69% | 37th below |
| Leverage Ratio | 12.41% | 12.14% | +0.27% | 69th above |
| Equity / Assets | 12.17% | 11.36% | +0.81% | 72nd above |
| TCE / Tangible Assets | 12.12% | 11.08% | +1.04% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.37% | 80.66% | +8.71% | 30th below |
| Core Deposit Ratio | 92.85% | 86.85% | +6.00% | 73rd above |
| Wholesale Funding Ratio | 3.56% | 5.04% | -1.48% | 50th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.76% | 6.84% | -3.08% | 45th below |
| Loan Growth (Y/Y) | 14.28% | 7.91% | +6.37% | 85th top |
| Deposit Growth (Y/Y) | 0.36% | 6.29% | -5.93% | 25th 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.