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 Center, TX 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 | 1.96% | 1.35% | +0.61% | 84th top |
| ROAE | 14.08% | 12.05% | +2.03% | 61st above |
| Net Interest Margin | 4.76% | 3.90% | +0.86% | 87th top |
| Efficiency Ratio | 58.45% | 63.15% | -4.70% | 59th above |
| PPNR / Avg Assets | 2.06% | 1.64% | +0.42% | 75th top |
| Yield on Earning Assets | 5.87% | 5.65% | +0.22% | 63rd above |
| Cost of Funds | 1.22% | 1.85% | -0.63% | 84th top |
| Net Interest Spread | 3.85% | 3.35% | +0.50% | 77th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.92% | -0.88% | 79th top |
| NPA / Total Assets | 0.27% | 0.67% | -0.40% | 54th above |
| NCO / Avg Loans | -0.19% | 0.15% | -0.34% | 98th top |
| ACL / Total Loans | 1.42% | 1.28% | +0.14% | 73rd above |
| ACL / NPLs (Coverage) | 3253.47% | 1644.45% | +1609.02% | — |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.06% | 7.15% | -3.09% | 46th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 20.19% | 20.83% | -0.64% | 78th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 20.19% | 20.86% | -0.67% | 78th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 21.38% | 21.94% | -0.56% | 78th top |
| Leverage Ratio | 14.41% | 12.46% | +1.95% | 83rd top |
| Equity / Assets | 13.77% | 11.67% | +2.10% | 83rd top |
| TCE / Tangible Assets | 13.77% | 11.40% | +2.37% | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.97% | 78.65% | -9.68% | 72nd above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.41% | 87.09% | +1.32% | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.41% | 6.47% | +0.94% | 71st above |
| Loan Growth (Y/Y) | 8.82% | 7.64% | +1.18% | 69th above |
| Deposit Growth (Y/Y) | 8.56% | 6.02% | +2.54% | 78th top |
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.