The Farmers National Bank of Lebanon: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Farmers National Bank of Lebanon of Lebanon, KY 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 | 1.14% | 1.35% | -0.21% | 41st below |
| ROAE | 11.78% | 12.05% | -0.27% | 46th below |
| Net Interest Margin | 3.73% | 3.90% | -0.17% | 38th below |
| Efficiency Ratio | 60.88% | 63.15% | -2.27% | 51st above |
| PPNR / Avg Assets | 1.51% | 1.64% | -0.13% | 45th below |
| Yield on Earning Assets | 5.56% | 5.65% | -0.09% | 48th below |
| Cost of Funds | 1.98% | 1.85% | +0.13% | 38th below |
| Net Interest Spread | 2.74% | 3.35% | -0.61% | 22nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans | -0.00% | 0.15% | -0.15% | 80th top |
| ACL / Total Loans | 0.91% | 1.28% | -0.37% | 18th bottom |
| Texas Ratio | 0.00% | 7.15% | -7.15% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.72% | 12.46% | -1.74% | 45th below |
| Equity / Assets | 10.05% | 11.67% | -1.62% | 45th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.05% | 11.40% | -1.35% | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 79.54% | 78.64% | +0.90% | 52nd above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.98% | 87.09% | +1.89% | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 15.33% | 6.47% | +8.86% | 92nd top |
| Loan Growth (Y/Y) | 35.07% | 7.63% | +27.44% | 98th top |
| Deposit Growth (Y/Y) | 14.89% | 6.02% | +8.87% | 91st top |
See The Farmers National Bank of Lebanon's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Farmers National Bank of Lebanon, 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 National Bank of Lebanon profile, how to read a UBPR, or how this data updates.