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 Wathena, 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. | 1.32% | 3.13% | -1.81% | 63rd above |
| ROAE | 16.78% | 10.29% | +6.49% | 85th top |
| Net Interest Margin | 3.85% | 3.94% | -0.09% | 48th below |
| Efficiency Ratio | 65.97% | 76.34% | -10.37% | 58th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.36% | 1.40% | -0.04% | 56th above |
| Yield on Earning Assets | 4.82% | 5.36% | -0.54% | 33rd below |
| Cost of Funds | 1.15% | 1.70% | -0.55% | 71st above |
| Net Interest Spread | 3.32% | 3.32% | +0.00% | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 1.07% | 1.34% | -0.27% | 29th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.60% | 0.71% | -0.11% | 29th below |
| NCO / Avg Loans | -0.06% | 0.10% | -0.16% | 92nd top |
| ACL / Total Loans | 3.14% | 1.49% | +1.65% | 94th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 293.69% | 867.15% | -573.46% | 68th above |
| Texas Ratio | 9.40% | 8.26% | +1.14% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.64% | 17.65% | -4.01% | 55th above |
| Equity / Assets | 8.58% | 16.47% | -7.89% | 13th bottom |
| TCE / Tangible Assets | 8.58% | 16.21% | -7.63% | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.57% | 72.86% | -11.29% | 59th above |
| Core Deposit Ratio | 91.66% | 88.27% | +3.39% | 51st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.31% | 4.25% | +3.06% | 75th top |
| Loan Growth (Y/Y) | 7.77% | 6.75% | +1.02% | 72nd above |
| Deposit Growth (Y/Y) | 5.80% | 3.72% | +2.08% | 69th above |
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.