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 Lincolnton, GA against its peer group of 2672 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 | 2.80% | 1.34% | +1.46% | 96th top |
| ROAE | 21.37% | 13.31% | +8.06% | 90th top |
| Net Interest Margin | 5.37% | 3.93% | +1.44% | 96th top |
| Efficiency Ratio | 49.49% | 61.14% | -11.65% | 81st top |
| PPNR / Avg Assets | 2.83% | 1.68% | +1.15% | 94th top |
| Yield on Earning Assets | 5.98% | 5.67% | +0.31% | 68th above |
| Cost of Funds | 0.71% | 1.88% | -1.17% | 96th top |
| Net Interest Spread | 4.61% | 3.32% | +1.29% | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.17% | 0.94% | -0.77% | 66th above |
| NPA / Total Assets | 0.08% | 0.70% | -0.62% | 72nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.15% | 0.16% | -0.01% | 15th bottom |
| ACL / Total Loans | 1.65% | 1.28% | +0.37% | 85th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 978.00% | 1538.78% | -560.78% | 82nd top |
| Texas Ratio | 0.57% | 7.33% | -6.76% | 78th top |
| Provision / NCO | 44.78% | 1395.86% | -1351.08% | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 31.65% | 19.50% | +12.15% | 93rd top |
| Tier 1 Ratio | 31.65% | 19.53% | +12.12% | 93rd top |
| Total Capital Ratio | 32.91% | 20.62% | +12.29% | 93rd top |
| Leverage Ratio | 15.44% | 12.14% | +3.30% | 88th top |
| Equity / Assets | 13.40% | 11.37% | +2.03% | 81st top |
| TCE / Tangible Assets | 13.40% | 11.09% | +2.31% | 83rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 55.63% | 80.64% | -25.01% | 87th top |
| Core Deposit Ratio | 96.05% | 86.86% | +9.19% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.21% | 6.85% | -5.64% | 27th below |
| Loan Growth (Y/Y) | 4.75% | 7.90% | -3.15% | 46th below |
| Deposit Growth (Y/Y) | -0.27% | 6.29% | -6.56% | 22nd bottom |
See Farmers State Bank's peers by name
The 2672 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.