Farmers & Merchants Union Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers & Merchants Union Bank of Columbus, 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 | 1.60% | 1.35% | +0.25% | 68th above |
| ROAE | 14.09% | 12.05% | +2.04% | 61st above |
| Net Interest Margin | 4.13% | 3.90% | +0.23% | 61st above |
| Efficiency Ratio | 43.47% | 63.16% | -19.69% | 91st top |
| PPNR / Avg Assets | 2.09% | 1.64% | +0.45% | 76th top |
| Yield on Earning Assets | 5.97% | 5.65% | +0.32% | 67th above |
| Cost of Funds | 1.88% | 1.85% | +0.03% | 45th below |
| Net Interest Spread | 3.64% | 3.35% | +0.29% | 67th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.26% | 0.92% | -0.66% | 60th above |
| NPA / Total Assets | 0.31% | 0.67% | -0.36% | 50th above |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 86th top |
| ACL / Total Loans | 1.97% | 1.28% | +0.69% | 93rd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 752.83% | 1645.52% | -892.69% | 79th top |
| Texas Ratio | 3.06% | 7.15% | -4.09% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.97% | 12.46% | -2.49% | 31st below |
| Equity / Assets | 11.69% | 11.67% | +0.02% | 68th above |
| TCE / Tangible Assets | 9.21% | 11.40% | -2.19% | 35th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.17% | 78.64% | +7.53% | 37th below |
| Core Deposit Ratio | 94.87% | 87.09% | +7.78% | 83rd top |
| Wholesale Funding Ratio | 1.26% | 5.12% | -3.86% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 33.86% | 6.46% | +27.40% | 98th top |
| Loan Growth (Y/Y) | 23.76% | 7.63% | +16.13% | 95th top |
| Deposit Growth (Y/Y) | 33.10% | 6.01% | +27.09% | 98th top |
See Farmers & Merchants Union Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers & Merchants Union 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 Union Bank profile, how to read a UBPR, or how this data updates.