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 Colesburg, IA against its peer group of 2603 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 | 0.82% | 1.35% | -0.53% | 24th bottom |
| ROAE | 8.50% | 13.32% | -4.82% | 28th below |
| Net Interest Margin | 3.00% | 3.93% | -0.93% | 10th bottom |
| Efficiency Ratio | 66.60% | 61.13% | +5.47% | 36th below |
| PPNR / Avg Assets | 0.80% | 1.68% | -0.88% | 15th bottom |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.66% | 5.67% | -0.01% | 52nd above |
| Cost of Funds | 2.88% | 1.88% | +1.00% | 7th bottom |
| Net Interest Spread | 2.48% | 3.32% | -0.84% | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.72% | 0.94% | +0.78% | 16th bottom |
| NPA / Total Assets | 1.11% | 0.70% | +0.41% | 18th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 49th below |
| ACL / Total Loans | 2.12% | 1.28% | +0.84% | 94th top |
| ACL / NPLs (Coverage) | 123.46% | 1546.57% | -1423.11% | 34th below |
| Texas Ratio | 11.57% | 7.34% | +4.23% | 18th bottom |
| Provision / NCO | 0.00% | 1395.48% | -1395.48% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.99% | 12.14% | -1.15% | 50th above |
| Equity / Assets | 9.57% | 11.37% | -1.80% | 37th below |
| TCE / Tangible Assets | 9.11% | 11.08% | -1.97% | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.66% | 80.66% | -10.00% | 69th above |
| Core Deposit Ratio | 85.16% | 86.85% | -1.69% | 31st below |
| Wholesale Funding Ratio | 2.29% | 5.04% | -2.75% | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.53% | 6.84% | -0.31% | 66th above |
| Loan Growth (Y/Y) | 8.41% | 7.92% | +0.49% | 67th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.89% | 6.29% | -0.40% | 63rd above |
See Farmers Savings Bank's peers by name
The 2603 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.