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Farmers Savings Bank: Peer Group Comparison

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Average peer standing 65/100
Peer group Banks with $100M to $1B in assets
Peers compared 2660
Quartile spread 11 best quarter · 5 better half · 2 worse half · 2 worst quarter
Core Deposit Ratio · better than 96% of peersROAA · better than 86% of peersROAE · better than 85% of peers Net Interest Spread · better than 11% of peersNet Interest Margin · better than 14% of peersCRE / Total Capital · better than 41% of peers

Data as of · peers are US banks in the same asset tier. How we update

This page benchmarks Farmers Savings Bank of Mineral Point, WI against its peer group of 2660 similarly-sized US banks as of Q2 2026. The peer group is every US bank in the same asset tier (banks with $100M to $1B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.

How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.

Profitability

Metric This bank Peer median Diff Percentile and standing
ROAA 2.05% 1.28% +0.77% 86th best quarter
ROAE 19.45% 12.51% +6.94% 85th best quarter
Net Interest Margin 3.16% 3.95% -0.79% 14th worst quarter
Efficiency Ratio 47.87% 61.08% -13.21% 15th best quarter
PPNR / Avg Assets 1.78% 1.60% +0.18% 61st better half
Yield on Earning Assets 4.89% 5.60% -0.71% 19th
Cost of Funds 1.92% 1.80% +0.12% 58th worse half
Net Interest Spread 2.45% 3.33% -0.88% 11th worst quarter

Asset Quality

Metric This bank Peer median Diff Percentile and standing
NPL / Total Loans 0.05% 0.42% -0.37% 20th best quarter
NPA / Total Assets 0.02% 0.32% -0.30% 17th best quarter
NCO / Avg Loans 0.00% 0.00% +0.00% 38th better half
ACL / Total Loans 1.03% 1.19% -0.16% 30th
ACL / NPLs (Coverage) 2185.32% 219.62% +1965.70% —
Texas Ratio 0.21% 2.65% -2.44% 17th best quarter
CRE / Total Capital 146.07% 119.44% +26.63% 59th worse half

Capital Adequacy

Metric This bank Peer median Diff Percentile and standing
CET1 Ratio 20.06% 15.12% +4.94% 78th best quarter
Tier 1 Ratio 20.06% 15.13% +4.93% 78th best quarter
Total Capital Ratio 21.07% 16.26% +4.81% 77th best quarter
Leverage Ratio 11.24% 10.99% +0.25% 54th better half
Equity / Assets 10.81% 10.39% +0.42% 56th better half
TCE / Tangible Assets 10.81% 10.10% +0.71% 60th better half

Liquidity & Funding

Metric This bank Peer median Diff Percentile and standing
Loan / Deposit 57.22% 80.60% -23.38% 14th
Core Deposit Ratio 97.85% 89.07% +8.78% 96th best quarter
Borrowings / Total Assets 1.16% 3.57% -2.41% 21st best quarter

Growth & Management

Metric This bank Peer median Diff Percentile and standing
Asset Growth (Y/Y) 6.64% 4.51% +2.13% 66th
Loan Growth (Y/Y) 7.16% 5.47% +1.69% 60th
Deposit Growth (Y/Y) 5.16% 4.05% +1.11% 58th

See Farmers Savings Bank's peers by name

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Source: 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 Savings Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Farmers Savings Bank peer analysis.