Farmers State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers State Bank of Marion, IA against its peer group of 931 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 | 2.63% | 1.46% | +1.17% | 96th top |
| ROAE | 19.19% | 12.71% | +6.48% | 87th top |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.78% | 3.85% | -0.07% | 55th above |
| Efficiency Ratio | 41.28% | 57.41% | -16.13% | 91st top |
| PPNR / Avg Assets | 2.75% | 1.88% | +0.87% | 92nd top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.57% | 5.72% | -0.15% | 52nd above |
| Cost of Funds | 2.14% | 2.02% | +0.12% | 41st below |
| Net Interest Spread | 3.04% | 3.18% | -0.14% | 48th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.21% | 1.00% | -0.79% | 81st top |
| NPA / Total Assets | 0.17% | 0.76% | -0.59% | 79th top |
| NCO / Avg Loans | -0.00% | 0.43% | -0.43% | 84th top |
| ACL / Total Loans | 1.12% | 1.31% | -0.19% | 46th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 526.29% | 543.36% | -17.07% | 82nd top |
| Texas Ratio | 1.12% | 7.39% | -6.27% | 85th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.37% | 11.43% | +2.94% | 91st top |
| Equity / Assets | 14.00% | 11.33% | +2.67% | 90th top |
| TCE / Tangible Assets | 13.96% | 10.50% | +3.46% | 91st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.79% | 86.95% | +7.84% | 30th below |
| Core Deposit Ratio | 93.38% | 85.55% | +7.83% | 76th top |
| Uninsured Deposit Ratio | 12.73% | 33.13% | -20.40% | 94th top |
| Wholesale Funding Ratio | 3.12% | 5.71% | -2.59% | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.49% | 9.68% | -5.19% | 45th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.95% | 8.06% | -0.11% | 64th above |
| Deposit Growth (Y/Y) | 4.38% | 7.87% | -3.49% | 48th below |
See Farmers State Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers State 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 State Bank profile, how to read a UBPR, or how this data updates.