Farmers National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers National Bank of Phillipsburg, KS against its peer group of 2603 similarly-sized US banks as of Q3 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 | 1.62% | 1.25% | +0.37% | 56th above |
| ROAE | 7.69% | 13.21% | -5.52% | 15th bottom |
| Net Interest Margin | 3.91% | 3.95% | -0.04% | 41st below |
| Efficiency Ratio | 50.24% | 61.29% | -11.05% | 76th top |
| PPNR / Avg Assets | 1.92% | — | — | 62nd above |
| Yield on Earning Assets | 5.12% | 5.68% | -0.56% | 30th below |
| Cost of Funds | 1.47% | 1.88% | -0.41% | 66th above |
| Net Interest Spread | 3.13% | — | — | 36th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.36% | 0.93% | -0.57% | 53rd above |
| NPA / Total Assets | 0.19% | — | — | 59th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 60th above |
| ACL / Total Loans | 1.83% | — | — | 89th top |
| ACL / NPLs (Coverage) | 515.76% | — | — | 68th above |
| Texas Ratio | 0.86% | 7.37% | -6.51% | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 36.74% | 17.08% | +19.66% | 91st top |
| Tier 1 Ratio | 36.74% | 17.11% | +19.63% | 91st top |
| Total Capital Ratio | 37.99% | — | — | 91st top |
| Leverage Ratio | 20.49% | 11.73% | +8.76% | 96th top |
| Equity / Assets | 21.46% | 10.97% | +10.49% | 98th top |
| TCE / Tangible Assets | 20.82% | — | — | 98th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.88% | 80.71% | -13.83% | 67th above |
| Core Deposit Ratio | 95.14% | 86.89% | +8.25% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.68% | — | — | 50th above |
| Loan Growth (Y/Y) | -2.55% | — | — | 13th bottom |
| Deposit Growth (Y/Y) | 2.83% | — | — | 43rd below |
See Farmers National Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers National 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 National Bank profile, how to read a UBPR, or how this data updates.