Farmers State Bank, Inc: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers State Bank, Inc of Booneville, KY 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 | 1.04% | 3.13% | -2.09% | 49th below |
| ROAE | 14.23% | 10.29% | +3.94% | 78th top |
| Net Interest Margin | 3.96% | 3.94% | +0.02% | 55th above |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 72.55% | 76.32% | -3.77% | 45th below |
| PPNR / Avg Assets | 1.10% | 1.40% | -0.30% | 44th below |
| Yield on Earning Assets | 4.99% | 5.35% | -0.36% | 40th below |
| Cost of Funds | 1.10% | 1.70% | -0.60% | 73rd above |
| Net Interest Spread | 3.36% | 3.32% | +0.04% | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.96% | 1.34% | -0.38% | 32nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.40% | 0.71% | -0.31% | 37th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.10% | -0.04% | 18th bottom |
| ACL / Total Loans | 1.95% | 1.49% | +0.46% | 81st top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 202.18% | 867.05% | -664.87% | 58th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.22% | 8.27% | -3.05% | 33rd below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 61.11% | 291.04% | -229.93% | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 17.53% | 62.35% | -44.82% | 34th below |
| Tier 1 Ratio | 17.53% | 62.35% | -44.82% | 34th below |
| Total Capital Ratio | 18.78% | 63.32% | -44.54% | 34th below |
| Leverage Ratio | 10.71% | 17.66% | -6.95% | 26th below |
| Equity / Assets | 7.65% | 16.46% | -8.81% | 8th bottom |
| TCE / Tangible Assets | 7.65% | 16.21% | -8.56% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 45.70% | 72.89% | -27.19% | 76th top |
| Core Deposit Ratio | 86.03% | 88.28% | -2.25% | 26th below |
| Wholesale Funding Ratio | 1.13% | 5.20% | -4.07% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.08% | 4.25% | +6.83% | 87th top |
| Loan Growth (Y/Y) | 1.49% | 6.76% | -5.27% | 46th below |
| Deposit Growth (Y/Y) | 10.49% | 3.71% | +6.78% | 86th top |
See Farmers State Bank, Inc'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, Inc, 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, Inc profile, how to read a UBPR, or how this data updates.