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 Groesbeck, TX 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 | 1.59% | 1.34% | +0.25% | 68th above |
| ROAE | 17.74% | 13.32% | +4.42% | 79th top |
| Net Interest Margin | 4.65% | 3.93% | +0.72% | 84th top |
| Efficiency Ratio | 71.48% | 61.13% | +10.35% | 25th below |
| PPNR / Avg Assets | 1.38% | 1.68% | -0.30% | 38th below |
| Yield on Earning Assets | 5.29% | 5.67% | -0.38% | 35th below |
| Cost of Funds | 0.65% | 1.88% | -1.23% | 97th top |
| Net Interest Spread | 4.05% | 3.32% | +0.73% | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.18% | 0.94% | +0.24% | 24th bottom |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.56% | 0.70% | -0.14% | 35th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 46th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.28% | -0.06% | 53rd above |
| ACL / NPLs (Coverage) | 103.56% | 1546.42% | -1442.86% | 29th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.04% | 7.34% | -1.30% | 35th below |
| Provision / NCO | 0.00% | 1395.27% | -1395.27% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.39% | 12.14% | -2.75% | 19th bottom |
| Equity / Assets | 8.80% | 11.37% | -2.57% | 24th bottom |
| TCE / Tangible Assets | 8.68% | 11.08% | -2.40% | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 52.59% | 80.67% | -28.08% | 90th top |
| Core Deposit Ratio | 93.86% | 86.85% | +7.01% | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.94% | 6.84% | +0.10% | 69th above |
| Loan Growth (Y/Y) | -16.50% | 7.92% | -24.42% | 1st bottom |
| Deposit Growth (Y/Y) | 6.93% | 6.29% | +0.64% | 70th above |
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.