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 Lagrange, IN against its peer group of 927 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 | 1.93% | 1.46% | +0.47% | 85th top |
| ROAE | 19.51% | 12.69% | +6.82% | 88th top |
| Net Interest Margin | 4.16% | 3.85% | +0.31% | 77th top |
| Efficiency Ratio | 46.06% | 57.41% | -11.35% | 85th top |
| PPNR / Avg Assets | 2.39% | 1.88% | +0.51% | 85th top |
| Yield on Earning Assets | 5.46% | 5.72% | -0.26% | 46th below |
| Cost of Funds | 1.40% | 2.02% | -0.62% | 84th top |
| Net Interest Spread | 3.59% | 3.18% | +0.41% | 81st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 1.00% | -0.98% | 95th top |
| NPA / Total Assets | 0.01% | 0.76% | -0.75% | 95th top |
| NCO / Avg Loans | -0.02% | 0.43% | -0.45% | 93rd top |
| ACL / Total Loans | 0.93% | 1.31% | -0.38% | 22nd bottom |
| ACL / NPLs (Coverage) | 4500.00% | 562.31% | +3937.69% | — |
| Texas Ratio | 0.14% | 7.39% | -7.25% | 95th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 547.83% | 618.59% | -70.76% | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.75% | 11.44% | -0.69% | 56th above |
| Equity / Assets | 9.87% | 11.34% | -1.47% | 40th below |
| TCE / Tangible Assets | 9.69% | 10.50% | -0.81% | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.44% | 86.96% | -8.52% | 73rd above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.31% | 85.55% | +2.76% | 48th below |
| Uninsured Deposit Ratio | 44.90% | 33.12% | +11.78% | 17th bottom |
| Wholesale Funding Ratio | 1.18% | 5.70% | -4.52% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.15% | 9.68% | -8.53% | 22nd bottom |
| Loan Growth (Y/Y) | 8.73% | 8.06% | +0.67% | 68th above |
| Deposit Growth (Y/Y) | -0.06% | 7.88% | -7.94% | 19th bottom |
See Farmers State Bank's peers by name
The 927 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.