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 Winthrop, WA 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. | 1.10% | 3.13% | -2.03% | 53rd above |
| ROAE Behind the peer average, ahead of the median peer. | 8.95% | 10.30% | -1.35% | 53rd above |
| Net Interest Margin | 3.43% | 3.94% | -0.51% | 28th below |
| Efficiency Ratio | 59.27% | 76.34% | -17.07% | 71st above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.39% | 1.40% | -0.01% | 57th above |
| Yield on Earning Assets | 3.82% | 5.36% | -1.54% | 9th bottom |
| Cost of Funds | 0.42% | 1.70% | -1.28% | 96th top |
| Net Interest Spread | 2.83% | 3.32% | -0.49% | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.65% | 1.33% | +1.32% | 12th bottom |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.20% | 0.71% | -0.51% | 45th below |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 6.27% | 1.48% | +4.79% | 99th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 236.56% | 866.39% | -629.83% | 63rd above |
| Texas Ratio | 1.50% | 8.27% | -6.77% | 54th above |
| Provision / NCO | 0.00% | 290.90% | -290.90% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.38% | 17.65% | -5.27% | 43rd below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 12.60% | 16.45% | -3.85% | 51st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 12.60% | 16.20% | -3.60% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 8.49% | 72.92% | -64.43% | 96th top |
| Core Deposit Ratio | 100.00% | 88.26% | +11.74% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.64% | 4.27% | -7.91% | 16th bottom |
| Loan Growth (Y/Y) | -5.52% | 6.77% | -12.29% | 18th bottom |
| Deposit Growth (Y/Y) | -5.30% | 3.73% | -9.03% | 12th bottom |
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.