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 Dublin, GA 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 | 2.19% | 1.34% | +0.85% | 90th top |
| ROAE | 17.15% | 13.32% | +3.83% | 76th top |
| Net Interest Margin | 5.32% | 3.93% | +1.39% | 96th top |
| Efficiency Ratio | 59.64% | 61.13% | -1.49% | 55th above |
| PPNR / Avg Assets | 2.26% | 1.68% | +0.58% | 82nd top |
| Yield on Earning Assets | 6.26% | 5.67% | +0.59% | 79th top |
| Cost of Funds | 1.09% | 1.88% | -0.79% | 88th top |
| Net Interest Spread | 4.79% | 3.32% | +1.47% | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.20% | 0.94% | -0.74% | 64th above |
| NPA / Total Assets | 0.16% | 0.70% | -0.54% | 63rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 36th below |
| ACL / Total Loans | 2.43% | 1.28% | +1.15% | 96th top |
| ACL / NPLs (Coverage) | 1205.98% | 1546.18% | -340.20% | — |
| Texas Ratio | 2.15% | 7.34% | -5.19% | 61st above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 666.67% | 1395.03% | -728.36% | 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. | 18.09% | 19.48% | -1.39% | 69th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.09% | 19.52% | -1.43% | 69th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.36% | 20.61% | -1.25% | 70th above |
| Leverage Ratio | 13.92% | 12.14% | +1.78% | 81st top |
| Equity / Assets | 12.98% | 11.36% | +1.62% | 79th top |
| TCE / Tangible Assets | 12.98% | 11.08% | +1.90% | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.57% | 80.66% | +11.91% | 23rd bottom |
| Core Deposit Ratio | 89.16% | 86.85% | +2.31% | 50th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.54% | 6.84% | -5.30% | 29th below |
| Loan Growth (Y/Y) | 4.01% | 7.92% | -3.91% | 42nd below |
| Deposit Growth (Y/Y) | 0.24% | 6.29% | -6.05% | 24th bottom |
See Farmers State Bank's peers by name
The 2603 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.