Farmers Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers Savings Bank of Fostoria, IA 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 | 0.59% | 1.35% | -0.76% | 16th bottom |
| ROAE | 5.05% | 12.06% | -7.01% | 14th bottom |
| Net Interest Margin | 3.15% | 3.90% | -0.75% | 14th bottom |
| Efficiency Ratio | 67.37% | 63.15% | +4.22% | 34th below |
| PPNR / Avg Assets | 0.99% | 1.64% | -0.65% | 20th bottom |
| Yield on Earning Assets | 5.31% | 5.65% | -0.34% | 36th below |
| Cost of Funds | 2.38% | 1.85% | +0.53% | 18th bottom |
| Net Interest Spread | 2.57% | 3.35% | -0.78% | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.48% | 0.92% | +2.56% | 5th bottom |
| NPA / Total Assets | 2.81% | 0.67% | +2.14% | 4th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 43rd below |
| ACL / Total Loans | 1.35% | 1.28% | +0.07% | 67th above |
| ACL / NPLs (Coverage) | 38.87% | 1645.82% | -1606.95% | 6th bottom |
| Texas Ratio | 21.69% | 7.14% | +14.55% | 6th bottom |
| Provision / NCO | 7500.00% | 1185.39% | +6314.61% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.59% | 12.46% | +0.13% | 71st above |
| Equity / Assets | 11.89% | 11.67% | +0.22% | 70th above |
| TCE / Tangible Assets | 11.89% | 11.40% | +0.49% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.36% | 78.64% | +21.72% | 11th bottom |
| Core Deposit Ratio | 80.79% | 87.10% | -6.31% | 18th bottom |
| Wholesale Funding Ratio | 7.22% | 5.11% | +2.11% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.13% | 6.47% | +0.66% | 70th above |
| Loan Growth (Y/Y) | 11.67% | 7.64% | +4.03% | 78th top |
| Deposit Growth (Y/Y) | 8.12% | 6.02% | +2.10% | 76th top |
See Farmers Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers Savings 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 Savings Bank profile, how to read a UBPR, or how this data updates.