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 Dwight, KS 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 | 0.93% | 3.14% | -2.21% | 44th below |
| ROAE Behind the peer average, ahead of the median peer. | 8.98% | 10.42% | -1.44% | 53rd above |
| Net Interest Margin | 3.20% | 3.93% | -0.73% | 20th bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 70.83% | 76.30% | -5.47% | 48th below |
| PPNR / Avg Assets | 0.93% | 1.40% | -0.47% | 36th below |
| Yield on Earning Assets | 4.54% | 5.35% | -0.81% | 25th below |
| Cost of Funds | 1.51% | 1.70% | -0.19% | 52nd above |
| Net Interest Spread | 2.48% | 3.31% | -0.83% | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.00% | 1.34% | +2.66% | 7th bottom |
| NPA / Total Assets | 1.32% | 0.71% | +0.61% | 15th bottom |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 2.73% | 1.49% | +1.24% | 91st top |
| ACL / NPLs (Coverage) | 68.09% | 864.78% | -796.69% | 28th below |
| Texas Ratio | 19.31% | 8.24% | +11.07% | 8th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.47% | 17.61% | -7.14% | 23rd bottom |
| Equity / Assets | 10.62% | 16.43% | -5.81% | 32nd below |
| TCE / Tangible Assets | 10.62% | 16.18% | -5.56% | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 36.97% | 72.85% | -35.88% | 86th top |
| Core Deposit Ratio | 100.00% | 88.21% | +11.79% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.24% | 4.31% | -7.55% | 17th bottom |
| Loan Growth (Y/Y) | 1.69% | 6.73% | -5.04% | 47th below |
| Deposit Growth (Y/Y) | -3.58% | 3.77% | -7.35% | 18th bottom |
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.