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 Pine Bluffs, WY 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. | 1.29% | 3.14% | -1.85% | 63rd above |
| ROAE | 12.07% | 10.42% | +1.65% | 68th above |
| Net Interest Margin | 4.58% | 3.93% | +0.65% | 78th top |
| Efficiency Ratio | 65.48% | 76.31% | -10.83% | 59th above |
| PPNR / Avg Assets | 1.56% | 1.40% | +0.16% | 63rd above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.33% | 5.35% | -0.02% | 54th above |
| Cost of Funds | 0.81% | 1.71% | -0.90% | 88th top |
| Net Interest Spread | 4.07% | 3.31% | +0.76% | 80th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.21% | 1.49% | -0.28% | 47th below |
| Texas Ratio | 0.00% | 8.26% | -8.26% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 27.75% | 61.93% | -34.18% | 64th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 27.75% | 61.94% | -34.19% | 64th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 29.00% | 62.90% | -33.90% | 64th above |
| Leverage Ratio | 10.85% | 17.61% | -6.76% | 27th below |
| Equity / Assets | 11.40% | 16.43% | -5.03% | 40th below |
| TCE / Tangible Assets | 11.40% | 16.18% | -4.78% | 42nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 52.97% | 72.85% | -19.88% | 68th above |
| Core Deposit Ratio | 92.73% | 88.21% | +4.52% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.00% | 4.30% | +4.70% | 80th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.17% | 6.72% | -1.55% | 60th above |
| Deposit Growth (Y/Y) | 9.10% | 3.76% | +5.34% | 81st top |
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.