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 Victor, MT 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 | 0.86% | 1.34% | -0.48% | 26th below |
| ROAE Behind the peer average, ahead of the median peer. | 12.93% | 13.31% | -0.38% | 53rd above |
| Net Interest Margin | 4.08% | 3.93% | +0.15% | 58th above |
| Efficiency Ratio | 72.17% | 61.13% | +11.04% | 24th bottom |
| PPNR / Avg Assets | 1.22% | 1.68% | -0.46% | 29th below |
| Yield on Earning Assets | 5.56% | 5.67% | -0.11% | 48th below |
| Cost of Funds | 1.64% | 1.88% | -0.24% | 60th above |
| Net Interest Spread | 3.44% | 3.32% | +0.12% | 56th 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. | 0.68% | 0.94% | -0.26% | 38th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.45% | 0.70% | -0.25% | 40th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 28th below |
| ACL / Total Loans | 1.33% | 1.28% | +0.05% | 65th above |
| ACL / NPLs (Coverage) | 194.24% | 1539.80% | -1345.56% | 47th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.92% | 7.33% | -1.41% | 36th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 413.16% | 1396.63% | -983.47% | 70th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.15% | 19.51% | -7.36% | 19th bottom |
| Tier 1 Ratio | 12.15% | 19.55% | -7.40% | 19th bottom |
| Total Capital Ratio | 13.40% | 20.63% | -7.23% | 21st bottom |
| Leverage Ratio | 8.84% | 12.14% | -3.30% | 10th bottom |
| Equity / Assets | 6.80% | 11.38% | -4.58% | 5th bottom |
| TCE / Tangible Assets | 6.80% | 11.10% | -4.30% | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.12% | 80.64% | -1.52% | 53rd above |
| Core Deposit Ratio | 90.69% | 86.86% | +3.83% | 59th above |
| Wholesale Funding Ratio | 8.22% | 5.03% | +3.19% | 20th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.17% | 6.85% | +3.32% | 83rd top |
| Loan Growth (Y/Y) | 10.93% | 7.90% | +3.03% | 76th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.80% | 6.29% | -1.49% | 56th above |
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.