The Farmers State Bank of Aliceville, Kansas: 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 of Aliceville, Kansas of Westphalia, KS against its peer group of 2672 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 | 1.03% | 1.34% | -0.31% | 35th below |
| ROAE | 5.34% | 13.32% | -7.98% | 15th bottom |
| Net Interest Margin | 4.08% | 3.93% | +0.15% | 58th above |
| Efficiency Ratio | 65.32% | 61.14% | +4.18% | 38th below |
| PPNR / Avg Assets | 1.44% | 1.68% | -0.24% | 41st below |
| Yield on Earning Assets | 5.83% | 5.67% | +0.16% | 60th above |
| Cost of Funds | 2.13% | 1.88% | +0.25% | 30th below |
| Net Interest Spread | 3.31% | 3.32% | -0.01% | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.16% | 0.70% | -0.54% | 64th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.52% | 1.28% | +0.24% | 79th top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.40% | 7.33% | -2.93% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 19.24% | 12.14% | +7.10% | 95th top |
| Equity / Assets | 19.49% | 11.37% | +8.12% | 96th top |
| TCE / Tangible Assets | 19.22% | 11.09% | +8.13% | 96th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.57% | 80.64% | +5.93% | 36th below |
| Core Deposit Ratio | 81.15% | 86.86% | -5.71% | 19th bottom |
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. | 4.93% | 6.85% | -1.92% | 54th above |
| Loan Growth (Y/Y) | -1.57% | 7.90% | -9.47% | 17th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.34% | 6.29% | -0.95% | 60th above |
See The Farmers State Bank of Aliceville, Kansas's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Farmers State Bank of Aliceville, Kansas, 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 of Aliceville, Kansas profile, how to read a UBPR, or how this data updates.