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 Phillipsburg, KS against its peer group of 506 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. | 1.07% | 3.13% | -2.06% | 51st above |
| ROAE | 11.95% | 10.30% | +1.65% | 67th above |
| Net Interest Margin | 3.54% | 3.94% | -0.40% | 32nd below |
| Efficiency Ratio | 67.01% | 76.33% | -9.32% | 56th above |
| PPNR / Avg Assets | 1.14% | 1.40% | -0.26% | 45th below |
| Yield on Earning Assets | 5.04% | 5.35% | -0.31% | 43rd below |
| Cost of Funds | 1.82% | 1.70% | +0.12% | 36th below |
| Net Interest Spread | 2.81% | 3.32% | -0.51% | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.68% | 1.33% | +0.35% | 21st bottom |
| NPA / Total Assets | 0.89% | 0.71% | +0.18% | 22nd bottom |
| NCO / Avg Loans | -0.04% | 0.10% | -0.14% | 89th top |
| ACL / Total Loans | 1.76% | 1.49% | +0.27% | 77th top |
| ACL / NPLs (Coverage) | 104.49% | 866.50% | -762.01% | 39th below |
| Texas Ratio | 8.50% | 8.26% | +0.24% | 23rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.73% | 17.65% | -5.92% | 36th below |
| Equity / Assets | 9.49% | 16.46% | -6.97% | 21st bottom |
| TCE / Tangible Assets | 9.49% | 16.20% | -6.71% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.29% | 72.85% | -10.56% | 57th above |
| Core Deposit Ratio | 96.99% | 88.27% | +8.72% | 82nd top |
| Wholesale Funding Ratio | 5.56% | 5.18% | +0.38% | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.58% | 4.26% | +3.32% | 76th top |
| Loan Growth (Y/Y) | -1.52% | 6.76% | -8.28% | 33rd below |
| Deposit Growth (Y/Y) | 13.59% | 3.71% | +9.88% | 91st top |
See Farmers State Bank's peers by name
The 506 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.