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 Northwood, IA 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 | 1.17% | 1.34% | -0.17% | 43rd below |
| ROAE | 11.90% | 13.31% | -1.41% | 47th below |
| Net Interest Margin | 4.02% | 3.93% | +0.09% | 54th above |
| Efficiency Ratio | 57.65% | 61.14% | -3.49% | 61st above |
| PPNR / Avg Assets | 1.78% | 1.68% | +0.10% | 61st above |
| Yield on Earning Assets | 5.75% | 5.67% | +0.08% | 57th above |
| Cost of Funds | 1.89% | 1.88% | +0.01% | 44th below |
| Net Interest Spread | 3.33% | 3.32% | +0.01% | 50th 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. | 0.43% | 0.94% | -0.51% | 48th below |
| NPA / Total Assets | 0.32% | 0.70% | -0.38% | 50th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 37th below |
| ACL / Total Loans | 1.32% | 1.28% | +0.04% | 65th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 304.81% | 1538.96% | -1234.15% | 60th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.21% | 7.33% | -2.12% | 40th below |
| Provision / NCO | 6000.00% | 1393.99% | +4606.01% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.73% | 12.14% | +0.59% | 73rd above |
| Equity / Assets | 9.90% | 11.37% | -1.47% | 43rd below |
| TCE / Tangible Assets | 9.90% | 11.09% | -1.19% | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.04% | 80.64% | +5.40% | 38th below |
| Core Deposit Ratio | 90.56% | 86.86% | +3.70% | 58th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.15% | 5.03% | -0.88% | 45th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.08% | 6.85% | -6.77% | 20th bottom |
| Loan Growth (Y/Y) | 4.08% | 7.90% | -3.82% | 43rd below |
| Deposit Growth (Y/Y) | 6.42% | 6.29% | +0.13% | 67th 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.