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 Pittsfield, IL 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 | 2.12% | 1.34% | +0.78% | 88th top |
| ROAE | 14.43% | 13.31% | +1.12% | 63rd above |
| Net Interest Margin | 4.47% | 3.93% | +0.54% | 78th top |
| Efficiency Ratio | 48.51% | 61.14% | -12.63% | 84th top |
| PPNR / Avg Assets | 2.38% | 1.68% | +0.70% | 86th top |
| Yield on Earning Assets | 5.82% | 5.67% | +0.15% | 60th above |
| Cost of Funds | 1.22% | 1.88% | -0.66% | 84th top |
| Net Interest Spread | 2.72% | 3.32% | -0.60% | 21st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.94% | -0.91% | 81st top |
| NPA / Total Assets | 0.17% | 0.70% | -0.53% | 63rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 37th below |
| ACL / Total Loans | 0.96% | 1.28% | -0.32% | 22nd bottom |
| ACL / NPLs (Coverage) | 2904.71% | 1538.18% | +1366.53% | — |
| Texas Ratio | 2.01% | 7.33% | -5.32% | 63rd above |
| Provision / NCO | 2222.22% | 1395.07% | +827.15% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.61% | 19.50% | -0.89% | 72nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.61% | 19.54% | -0.93% | 72nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.52% | 20.62% | -1.10% | 71st above |
| Leverage Ratio | 15.02% | 12.14% | +2.88% | 86th top |
| Equity / Assets | 15.22% | 11.37% | +3.85% | 89th top |
| TCE / Tangible Assets | 15.22% | 11.09% | +4.13% | 90th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.83% | 80.63% | +9.20% | 29th below |
| Core Deposit Ratio | 93.59% | 86.86% | +6.73% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.78% | 6.85% | -4.07% | 38th below |
| Loan Growth (Y/Y) | 5.06% | 7.90% | -2.84% | 48th below |
| Deposit Growth (Y/Y) | 2.22% | 6.29% | -4.07% | 37th 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.