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 Mountain City, TN 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 | 0.78% | 1.34% | -0.56% | 22nd bottom |
| ROAE | 7.96% | 13.32% | -5.36% | 25th below |
| Net Interest Margin | 3.74% | 3.93% | -0.19% | 39th below |
| Efficiency Ratio | 71.85% | 61.14% | +10.71% | 25th below |
| PPNR / Avg Assets | 1.14% | 1.68% | -0.54% | 26th below |
| Yield on Earning Assets | 5.14% | 5.67% | -0.53% | 28th below |
| Cost of Funds | 1.52% | 1.88% | -0.36% | 68th above |
| Net Interest Spread | 3.07% | 3.32% | -0.25% | 36th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.87% | 0.94% | -0.07% | 31st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.55% | 0.70% | -0.15% | 36th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.23% | 1.28% | -0.05% | 54th above |
| ACL / NPLs (Coverage) | 142.22% | 1539.02% | -1396.80% | 39th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.32% | 7.33% | -2.01% | 39th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 725.00% | 1395.72% | -670.72% | 77th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.20% | 19.50% | -1.30% | 70th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.20% | 19.54% | -1.34% | 70th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.45% | 20.62% | -1.17% | 71st above |
| Leverage Ratio | 12.63% | 12.14% | +0.49% | 72nd above |
| Equity / Assets | 9.89% | 11.37% | -1.48% | 43rd below |
| TCE / Tangible Assets | 9.89% | 11.09% | -1.20% | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.02% | 80.64% | -4.62% | 59th above |
| Core Deposit Ratio | 91.75% | 86.86% | +4.89% | 65th above |
| Wholesale Funding Ratio | 1.77% | 5.03% | -3.26% | 72nd 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. | 6.47% | 6.85% | -0.38% | 65th above |
| Loan Growth (Y/Y) | 16.56% | 7.90% | +8.66% | 88th top |
| Deposit Growth (Y/Y) | -0.75% | 6.29% | -7.04% | 19th bottom |
See Farmers State Bank's peers by name
The 2672 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.