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 Waterloo, IA against its peer group of 931 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 | 1.52% | 1.46% | +0.06% | 67th above |
| ROAE | 14.31% | 12.71% | +1.60% | 65th above |
| Net Interest Margin | 3.22% | 3.85% | -0.63% | 23rd bottom |
| Efficiency Ratio | 48.49% | 57.41% | -8.92% | 78th top |
| PPNR / Avg Assets | 1.64% | 1.88% | -0.24% | 44th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.58% | 5.72% | -0.14% | 53rd above |
| Cost of Funds | 2.64% | 2.02% | +0.62% | 17th bottom |
| Net Interest Spread | 2.61% | 3.18% | -0.57% | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.00% | -1.00% | 98th top |
| NPA / Total Assets | 0.00% | 0.76% | -0.76% | 98th top |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 66th above |
| ACL / Total Loans | 1.06% | 1.31% | -0.25% | 38th below |
| Texas Ratio | 0.09% | 7.39% | -7.30% | 96th top |
| Provision / NCO | 810.45% | 618.46% | +191.99% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.41% | 17.34% | -3.93% | 49th below |
| Tier 1 Ratio | 13.41% | 17.37% | -3.96% | 48th below |
| Total Capital Ratio | 14.51% | 18.42% | -3.91% | 47th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.20% | 11.44% | -0.24% | 64th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.80% | 11.34% | -0.54% | 57th above |
| TCE / Tangible Assets | 10.80% | 10.50% | +0.30% | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.89% | 86.94% | +16.95% | 10th bottom |
| Core Deposit Ratio | 82.41% | 85.56% | -3.15% | 26th below |
| Uninsured Deposit Ratio | 45.98% | 33.11% | +12.87% | 14th bottom |
| Wholesale Funding Ratio | 9.80% | 5.70% | +4.10% | 17th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.65% | 9.69% | -11.34% | 9th bottom |
| Loan Growth (Y/Y) | 0.43% | 8.06% | -7.63% | 19th bottom |
| Deposit Growth (Y/Y) | -2.37% | 7.88% | -10.25% | 10th bottom |
See Farmers State Bank's peers by name
The 931 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.