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 Prophetstown, IL 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 | 1.23% | 1.34% | -0.11% | 48th below |
| ROAE | 9.02% | 13.32% | -4.30% | 30th below |
| Net Interest Margin | 3.31% | 3.93% | -0.62% | 20th bottom |
| Efficiency Ratio | 41.68% | 61.16% | -19.48% | 94th top |
| PPNR / Avg Assets | 1.86% | 1.68% | +0.18% | 66th above |
| Yield on Earning Assets | 5.27% | 5.67% | -0.40% | 34th below |
| Cost of Funds | 2.17% | 1.88% | +0.29% | 28th below |
| Net Interest Spread | 2.79% | 3.32% | -0.53% | 24th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.94% | -0.89% | 78th top |
| NPA / Total Assets | 0.03% | 0.70% | -0.67% | 81st top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 3.23% | 1.28% | +1.95% | 99th top |
| ACL / NPLs (Coverage) | 6125.09% | 1534.32% | +4590.77% | — |
| Texas Ratio | 0.99% | 7.34% | -6.35% | 72nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.03% | 12.14% | +2.89% | 87th top |
| Equity / Assets | 14.29% | 11.37% | +2.92% | 86th top |
| TCE / Tangible Assets | 14.29% | 11.09% | +3.20% | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.51% | 80.64% | -1.13% | 52nd above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.98% | 86.86% | +1.12% | 43rd below |
| Wholesale Funding Ratio | 13.82% | 5.02% | +8.80% | 6th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.86% | 6.86% | -7.72% | 15th bottom |
| Loan Growth (Y/Y) | 4.27% | 7.91% | -3.64% | 44th below |
| Deposit Growth (Y/Y) | 1.09% | 6.29% | -5.20% | 30th below |
See Farmers National Bank's peers by name
The 2672 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.