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 Lake View, IA 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. | 1.14% | 3.14% | -2.00% | 55th above |
| ROAE Behind the peer average, ahead of the median peer. | 8.73% | 10.42% | -1.69% | 52nd above |
| Net Interest Margin | 3.69% | 3.93% | -0.24% | 40th below |
| Efficiency Ratio | 50.92% | 76.33% | -25.41% | 86th top |
| PPNR / Avg Assets | 1.79% | 1.40% | +0.39% | 73rd above |
| Yield on Earning Assets | 4.77% | 5.35% | -0.58% | 31st below |
| Cost of Funds | 1.24% | 1.71% | -0.47% | 67th above |
| Net Interest Spread | 3.20% | 3.31% | -0.11% | 44th below |
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 Ahead of the peer average, behind the median peer. | 0.03% | 0.11% | -0.08% | 22nd bottom |
| ACL / Total Loans | 3.24% | 1.48% | +1.76% | 95th top |
| Texas Ratio | 0.00% | 8.26% | -8.26% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.07% | 17.61% | -4.54% | 50th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 14.00% | 16.43% | -2.43% | 60th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 14.00% | 16.18% | -2.18% | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 40.43% | 72.86% | -32.43% | 83rd top |
| Core Deposit Ratio | 97.40% | 88.21% | +9.19% | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.21% | 4.30% | -1.09% | 54th above |
| Loan Growth (Y/Y) | 1.29% | 6.73% | -5.44% | 46th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.05% | 3.77% | -0.72% | 55th above |
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.