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 Yale, IA against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 2.29% | 3.32% | -1.03% | 87th top |
| ROAE | 21.82% | 8.26% | +13.56% | 93rd top |
| Net Interest Margin | 4.05% | 3.92% | +0.13% | 58th above |
| Efficiency Ratio | 40.40% | 84.54% | -44.14% | 95th top |
| PPNR / Avg Assets | 2.25% | 1.56% | +0.69% | 85th top |
| Yield on Earning Assets | 5.69% | 5.24% | +0.45% | 67th above |
| Cost of Funds | 1.82% | 1.67% | +0.15% | 36th below |
| Net Interest Spread | 3.01% | 3.30% | -0.29% | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 1.42% | -1.36% | 62nd above |
| NPA / Total Assets | 0.03% | 0.71% | -0.68% | 58th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 0.91% | 1.53% | -0.62% | 21st bottom |
| ACL / NPLs (Coverage) | 1604.35% | 719.06% | +885.29% | — |
| Texas Ratio | 0.27% | 8.57% | -8.30% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.03% | 22.10% | -10.07% | 38th below |
| Equity / Assets | 11.07% | 20.74% | -9.67% | 37th below |
| TCE / Tangible Assets | 11.07% | 20.49% | -9.42% | 39th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 63.21% | 74.28% | -11.07% | 55th above |
| Core Deposit Ratio | 84.92% | 88.31% | -3.39% | 23rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.32% | 3.82% | +0.50% | 59th above |
| Loan Growth (Y/Y) | 16.06% | 6.83% | +9.23% | 88th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 2.61% | 2.98% | -0.37% | 53rd above |
See Farmers State Bank's peers by name
The 536 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.