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 Fairview, KS 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. | 1.63% | 3.33% | -1.70% | 73rd above |
| ROAE | 16.33% | 8.27% | +8.06% | 83rd top |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.91% | 3.92% | -0.01% | 53rd above |
| Efficiency Ratio | 55.95% | 84.52% | -28.57% | 78th top |
| PPNR / Avg Assets | 1.69% | 1.56% | +0.13% | 69th above |
| Yield on Earning Assets | 5.06% | 5.24% | -0.18% | 44th below |
| Cost of Funds | 1.33% | 1.67% | -0.34% | 63rd above |
| Net Interest Spread | 3.43% | 3.30% | +0.13% | 55th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.42% | -1.42% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.18% | 0.15% | +0.03% | 11th bottom |
| ACL / Total Loans | 1.11% | 1.53% | -0.42% | 39th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.25% | 8.57% | -5.32% | 44th below |
| Provision / NCO | 0.00% | 286.20% | -286.20% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.11% | 127.09% | -111.98% | 22nd bottom |
| Tier 1 Ratio | 15.11% | 127.11% | -112.00% | 22nd bottom |
| Total Capital Ratio | 16.01% | 127.99% | -111.98% | 23rd bottom |
| Leverage Ratio | 10.20% | 22.10% | -11.90% | 21st bottom |
| Equity / Assets | 10.06% | 20.74% | -10.68% | 27th below |
| TCE / Tangible Assets | 10.06% | 20.49% | -10.43% | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.45% | 74.28% | -8.83% | 52nd above |
| Core Deposit Ratio | 98.44% | 88.29% | +10.15% | 90th top |
| Wholesale Funding Ratio | 10.15% | 5.29% | +4.86% | 14th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.71% | 3.83% | -3.12% | 38th below |
| Loan Growth (Y/Y) | 8.61% | 6.84% | +1.77% | 75th top |
| Deposit Growth (Y/Y) | -5.83% | 2.99% | -8.82% | 11th bottom |
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.