The Farmers & Merchants State 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 State Bank of Archbold, OH against its peer group of 931 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 Behind the peer average, ahead of the median peer. | 1.39% | 1.46% | -0.07% | 59th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.32% | 12.72% | -0.40% | 50th above |
| Net Interest Margin | 3.52% | 3.85% | -0.33% | 36th below |
| Efficiency Ratio | 53.45% | 57.41% | -3.96% | 64th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.76% | 1.88% | -0.12% | 53rd above |
| Yield on Earning Assets | 5.50% | 5.72% | -0.22% | 48th below |
| Cost of Funds | 1.99% | 2.02% | -0.03% | 53rd above |
| Net Interest Spread | 2.91% | 3.18% | -0.27% | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.27% | 1.00% | -0.73% | 75th top |
| NPA / Total Assets | 0.21% | 0.76% | -0.55% | 75th top |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 61st above |
| ACL / Total Loans | 1.03% | 1.31% | -0.28% | 34th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 376.21% | 543.58% | -167.37% | 76th top |
| Texas Ratio | 2.19% | 7.40% | -5.21% | 75th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 213.96% | 619.25% | -405.29% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.84% | 17.35% | -5.51% | 21st bottom |
| Tier 1 Ratio | 11.84% | 17.38% | -5.54% | 21st bottom |
| Total Capital Ratio | 12.91% | 18.43% | -5.52% | 21st bottom |
| Leverage Ratio | 9.44% | 11.44% | -2.00% | 21st bottom |
| Equity / Assets | 11.48% | 11.33% | +0.15% | 68th above |
| TCE / Tangible Assets | 9.15% | 10.50% | -1.35% | 35th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.24% | 86.94% | +7.30% | 32nd below |
| Core Deposit Ratio | 90.83% | 85.55% | +5.28% | 62nd above |
| Uninsured Deposit Ratio | 11.09% | 33.15% | -22.06% | 96th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 5.25% | 5.70% | -0.45% | 40th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.61% | 9.69% | -5.08% | 46th below |
| Loan Growth (Y/Y) | 2.84% | 8.06% | -5.22% | 33rd below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.88% | 7.87% | -1.99% | 57th above |
See The Farmers & Merchants State Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Farmers & Merchants State 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 State Bank profile, how to read a UBPR, or how this data updates.