Farmers Savings Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers Savings Bank & Trust of Traer, 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 Behind the peer average, ahead of the median peer. | 1.31% | 1.34% | -0.03% | 53rd above |
| ROAE | 19.94% | 13.31% | +6.63% | 87th top |
| Net Interest Margin | 3.35% | 3.93% | -0.58% | 22nd bottom |
| Efficiency Ratio | 61.64% | 61.14% | +0.50% | 49th below |
| PPNR / Avg Assets | 1.33% | 1.68% | -0.35% | 35th below |
| Yield on Earning Assets | 4.58% | 5.67% | -1.09% | 10th bottom |
| Cost of Funds | 1.33% | 1.88% | -0.55% | 79th top |
| Net Interest Spread | 2.93% | 3.32% | -0.39% | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 40th below |
| ACL / Total Loans | 0.64% | 1.28% | -0.64% | 5th bottom |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 166.67% | 1395.87% | -1229.20% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.51% | 19.50% | -0.99% | 71st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.51% | 19.54% | -1.03% | 71st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.09% | 20.62% | -1.53% | 69th above |
| Leverage Ratio | 10.25% | 12.14% | -1.89% | 37th below |
| Equity / Assets | 7.01% | 11.38% | -4.37% | 6th bottom |
| TCE / Tangible Assets | 7.01% | 11.09% | -4.08% | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.73% | 80.64% | -20.91% | 84th top |
| Core Deposit Ratio | 92.75% | 86.86% | +5.89% | 72nd above |
| Wholesale Funding Ratio | 1.81% | 5.03% | -3.22% | 71st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.27% | 6.85% | -8.12% | 13th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.26% | 7.90% | -1.64% | 56th above |
| Deposit Growth (Y/Y) | -3.38% | 6.29% | -9.67% | 9th bottom |
See Farmers Savings Bank & Trust'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 & Trust, 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 & Trust profile, how to read a UBPR, or how this data updates.