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 Marcus, 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. | 1.93% | 3.32% | -1.39% | 82nd top |
| ROAE | 16.40% | 8.27% | +8.13% | 83rd top |
| Net Interest Margin | 3.41% | 3.93% | -0.52% | 27th below |
| Efficiency Ratio | 48.13% | 84.53% | -36.40% | 89th top |
| PPNR / Avg Assets | 1.96% | 1.56% | +0.40% | 78th top |
| Yield on Earning Assets | 4.97% | 5.24% | -0.27% | 40th below |
| Cost of Funds | 1.77% | 1.67% | +0.10% | 38th below |
| Net Interest Spread | 2.75% | 3.30% | -0.55% | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.51% | 1.42% | -0.91% | 43rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.29% | 0.71% | -0.42% | 42nd below |
| NCO / Avg Loans | -0.05% | 0.15% | -0.20% | 91st top |
| ACL / Total Loans | 2.52% | 1.52% | +1.00% | 90th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 496.86% | 722.05% | -225.19% | 80th top |
| Texas Ratio | 2.07% | 8.57% | -6.50% | 52nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.19% | 22.10% | -8.91% | 51st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 12.55% | 20.74% | -8.19% | 50th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 12.55% | 20.49% | -7.94% | 52nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.43% | 74.28% | -8.85% | 52nd above |
| Core Deposit Ratio | 91.69% | 88.30% | +3.39% | 52nd above |
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. | 3.08% | 3.82% | -0.74% | 52nd above |
| Loan Growth (Y/Y) | -0.17% | 6.86% | -7.03% | 40th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 2.83% | 2.98% | -0.15% | 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.