The Farmers State Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Farmers State Bank and Trust Company of Jacksonville, IL against its peer group of 2603 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 | 0.67% | 1.35% | -0.68% | 18th bottom |
| ROAE | 4.84% | 13.33% | -8.49% | 14th bottom |
| Net Interest Margin | 3.86% | 3.93% | -0.07% | 46th below |
| Efficiency Ratio | 81.24% | 61.13% | +20.11% | 12th bottom |
| PPNR / Avg Assets | 0.80% | 1.68% | -0.88% | 15th bottom |
| Yield on Earning Assets | 4.34% | 5.67% | -1.33% | 6th bottom |
| Cost of Funds | 0.52% | 1.88% | -1.36% | 98th top |
| Net Interest Spread | 3.44% | 3.32% | +0.12% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.29% | 0.94% | +1.35% | 10th bottom |
| NPA / Total Assets | 1.07% | 0.70% | +0.37% | 19th bottom |
| NCO / Avg Loans | 0.26% | 0.16% | +0.10% | 10th bottom |
| ACL / Total Loans | 2.23% | 1.28% | +0.95% | 96th top |
| ACL / NPLs (Coverage) | 97.15% | 1546.44% | -1449.29% | 26th below |
| Texas Ratio | 7.35% | 7.34% | +0.01% | 30th below |
| Provision / NCO | 20.94% | 1395.29% | -1374.35% | 23rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.85% | 12.14% | +1.71% | 80th top |
| Equity / Assets | 14.08% | 11.36% | +2.72% | 85th top |
| TCE / Tangible Assets | 14.08% | 11.08% | +3.00% | 86th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 53.53% | 80.67% | -27.14% | 89th top |
| Core Deposit Ratio | 98.48% | 86.85% | +11.63% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.93% | 6.84% | -10.77% | 7th bottom |
| Loan Growth (Y/Y) | -3.45% | 7.92% | -11.37% | 11th bottom |
| Deposit Growth (Y/Y) | -4.88% | 6.29% | -11.17% | 7th bottom |
See The Farmers State Bank and Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Farmers State Bank and Trust Company, 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 The Farmers State Bank and Trust Company profile, how to read a UBPR, or how this data updates.