Farmers State Bank, Allen, Oklahoma: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers State Bank, Allen, Oklahoma of Allen, OK against its peer group of 506 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. | 2.29% | 3.13% | -0.84% | 87th top |
| ROAE | 17.17% | 10.29% | +6.88% | 86th top |
| Net Interest Margin | 5.45% | 3.94% | +1.51% | 94th top |
| Efficiency Ratio | 53.29% | 76.35% | -23.06% | 82nd top |
| PPNR / Avg Assets | 2.43% | 1.40% | +1.03% | 89th top |
| Yield on Earning Assets | 6.33% | 5.35% | +0.98% | 85th top |
| Cost of Funds | 1.00% | 1.70% | -0.70% | 79th top |
| Net Interest Spread | 4.94% | 3.32% | +1.62% | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.60% | 1.34% | -0.74% | 40th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.43% | 0.71% | -0.28% | 35th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.10% | -0.08% | 24th bottom |
| ACL / Total Loans | 1.54% | 1.49% | +0.05% | 70th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 257.79% | 866.59% | -608.80% | 65th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 2.99% | 8.27% | -5.28% | 46th below |
| Provision / NCO | 2500.00% | 281.43% | +2218.57% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.52% | 17.65% | -4.13% | 53rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 13.47% | 16.45% | -2.98% | 57th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 13.47% | 16.20% | -2.73% | 60th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.87% | 72.82% | +11.05% | 25th below |
| Core Deposit Ratio | 91.31% | 88.27% | +3.04% | 50th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.74% | 4.26% | -3.52% | 38th below |
| Loan Growth (Y/Y) | -1.28% | 6.77% | -8.05% | 34th below |
| Deposit Growth (Y/Y) | -0.20% | 3.73% | -3.93% | 34th below |
See Farmers State Bank, Allen, Oklahoma's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers State Bank, Allen, Oklahoma, 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, Allen, Oklahoma profile, how to read a UBPR, or how this data updates.