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 West Salem, OH 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 | 1.15% | 1.34% | -0.19% | 42nd below |
| ROAE | 16.29% | 13.32% | +2.97% | 72nd above |
| Net Interest Margin | 4.45% | 3.93% | +0.52% | 77th top |
| Efficiency Ratio | 69.63% | 61.13% | +8.50% | 29th below |
| PPNR / Avg Assets | 1.48% | 1.68% | -0.20% | 43rd below |
| Yield on Earning Assets | 5.13% | 5.67% | -0.54% | 28th below |
| Cost of Funds | 0.71% | 1.88% | -1.17% | 97th top |
| Net Interest Spread | 4.05% | 3.32% | +0.73% | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.63% | 0.94% | -0.31% | 40th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.56% | 0.70% | -0.14% | 35th below |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 79th top |
| ACL / Total Loans | 1.13% | 1.28% | -0.15% | 41st below |
| ACL / NPLs (Coverage) | 179.83% | 1546.39% | -1366.56% | 44th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.99% | 7.34% | -0.35% | 31st below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 215.91% | 1395.19% | -1179.28% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.88% | 19.49% | -6.61% | 26th below |
| Tier 1 Ratio | 12.88% | 19.52% | -6.64% | 26th below |
| Total Capital Ratio | 13.97% | 20.61% | -6.64% | 26th below |
| Leverage Ratio | 9.30% | 12.14% | -2.84% | 17th bottom |
| Equity / Assets | 7.23% | 11.37% | -4.14% | 8th bottom |
| TCE / Tangible Assets | 7.23% | 11.08% | -3.85% | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.57% | 80.66% | -2.09% | 54th above |
| Core Deposit Ratio | 96.69% | 86.85% | +9.84% | 92nd top |
| Wholesale Funding Ratio | 5.60% | 5.04% | +0.56% | 34th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.90% | 6.84% | -5.94% | 25th below |
| Loan Growth (Y/Y) | 5.23% | 7.92% | -2.69% | 49th below |
| Deposit Growth (Y/Y) | -3.75% | 6.29% | -10.04% | 9th 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.