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 Elmwood, IL 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 | 0.51% | 3.14% | -2.63% | 26th below |
| ROAE | 15.30% | 10.41% | +4.89% | 81st top |
| Net Interest Margin | 3.19% | 3.93% | -0.74% | 20th bottom |
| Efficiency Ratio | 81.56% | 76.29% | +5.27% | 27th below |
| PPNR / Avg Assets | 0.58% | 1.40% | -0.82% | 22nd bottom |
| Yield on Earning Assets | 4.70% | 5.35% | -0.65% | 29th below |
| Cost of Funds | 1.70% | 1.70% | +0.00% | 43rd below |
| Net Interest Spread | 2.96% | 3.31% | -0.35% | 33rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.58% | 1.33% | +3.25% | 5th bottom |
| NPA / Total Assets | 2.34% | 0.71% | +1.63% | 6th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.11% | -0.10% | 26th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.24% | 1.49% | -0.25% | 50th above |
| ACL / NPLs (Coverage) | 27.09% | 866.44% | -839.35% | 6th bottom |
| Texas Ratio | 53.77% | 8.17% | +45.60% | 2nd bottom |
| Provision / NCO | 1900.00% | 307.23% | +1592.77% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.32% | 62.05% | -47.73% | 18th bottom |
| Tier 1 Ratio | 14.32% | 62.05% | -47.73% | 18th bottom |
| Total Capital Ratio | 15.41% | 63.02% | -47.61% | 19th bottom |
| Leverage Ratio | 8.18% | 17.62% | -9.44% | 5th bottom |
| Equity / Assets | 3.91% | 16.45% | -12.54% | 2nd bottom |
| TCE / Tangible Assets | 3.91% | 16.20% | -12.29% | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 58.43% | 72.85% | -14.42% | 62nd above |
| Core Deposit Ratio | 91.82% | 88.21% | +3.61% | 52nd above |
| Wholesale Funding Ratio | 8.27% | 5.26% | +3.01% | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.79% | 4.30% | +2.49% | 72nd above |
| Loan Growth (Y/Y) | -5.09% | 6.75% | -11.84% | 20th bottom |
| Deposit Growth (Y/Y) | 5.24% | 3.77% | +1.47% | 67th 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.