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 Algona, IA 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 | 1.74% | 1.34% | +0.40% | 75th top |
| ROAE | 14.14% | 13.31% | +0.83% | 61st above |
| Net Interest Margin | 4.00% | 3.93% | +0.07% | 53rd above |
| Efficiency Ratio | 55.76% | 61.14% | -5.38% | 67th above |
| PPNR / Avg Assets | 1.83% | 1.68% | +0.15% | 64th above |
| Yield on Earning Assets | 5.41% | 5.67% | -0.26% | 40th below |
| Cost of Funds | 1.56% | 1.88% | -0.32% | 66th above |
| Net Interest Spread | 3.69% | 3.32% | +0.37% | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.61% | 0.94% | -0.33% | 41st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.45% | 0.70% | -0.25% | 41st below |
| NCO / Avg Loans | -0.05% | 0.16% | -0.21% | 94th top |
| ACL / Total Loans | 1.34% | 1.28% | +0.06% | 67th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 220.39% | 1538.88% | -1318.49% | 51st above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.91% | 7.33% | -2.42% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.70% | 12.14% | +0.56% | 72nd above |
| Equity / Assets | 12.66% | 11.37% | +1.29% | 76th top |
| TCE / Tangible Assets | 12.66% | 11.09% | +1.57% | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.54% | 80.64% | +3.90% | 42nd below |
| Core Deposit Ratio | 93.94% | 86.86% | +7.08% | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.89% | 6.85% | +3.04% | 82nd top |
| Loan Growth (Y/Y) | 9.03% | 7.90% | +1.13% | 70th above |
| Deposit Growth (Y/Y) | 11.24% | 6.29% | +4.95% | 86th top |
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.