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 Parkston, SD 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 | 0.91% | 1.35% | -0.44% | 29th below |
| ROAE | 14.95% | 12.05% | +2.90% | 66th above |
| Net Interest Margin | 3.26% | 3.90% | -0.64% | 18th bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 62.78% | 63.15% | -0.37% | 46th below |
| PPNR / Avg Assets | 1.22% | 1.64% | -0.42% | 29th below |
| Yield on Earning Assets | 4.90% | 5.65% | -0.75% | 19th bottom |
| Cost of Funds | 1.75% | 1.85% | -0.10% | 53rd above |
| Net Interest Spread | 2.65% | 3.35% | -0.70% | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans | -0.03% | 0.15% | -0.18% | 92nd top |
| ACL / Total Loans | 1.12% | 1.28% | -0.16% | 40th below |
| Texas Ratio | 0.00% | 7.15% | -7.15% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.99% | 12.46% | -2.47% | 31st below |
| Equity / Assets | 6.55% | 11.67% | -5.12% | 4th bottom |
| TCE / Tangible Assets | 6.45% | 11.40% | -4.95% | 5th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.25% | 78.65% | -19.40% | 84th top |
| Core Deposit Ratio | 94.91% | 87.09% | +7.82% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.40% | 6.47% | -3.07% | 42nd below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.23% | 7.64% | -0.41% | 61st above |
| Deposit Growth (Y/Y) | 2.46% | 6.02% | -3.56% | 39th below |
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.