Farmers State Bank of Emden: 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 Emden of Emden, IL 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 | 0.90% | 3.13% | -2.23% | 43rd below |
| ROAE | 3.07% | 10.31% | -7.24% | 25th below |
| Net Interest Margin | 3.50% | 3.94% | -0.44% | 30th below |
| Efficiency Ratio | 59.70% | 76.33% | -16.63% | 70th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.38% | 1.40% | -0.02% | 56th above |
| Yield on Earning Assets | 4.11% | 5.36% | -1.25% | 14th bottom |
| Cost of Funds | 0.84% | 1.70% | -0.86% | 86th top |
| Net Interest Spread | 3.07% | 3.32% | -0.25% | 36th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.43% | 1.34% | -0.91% | 46th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.14% | 0.71% | -0.57% | 49th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.10% | -0.01% | 15th bottom |
| ACL / Total Loans | 0.91% | 1.49% | -0.58% | 21st bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 209.26% | 866.18% | -656.92% | 60th above |
| Texas Ratio | 0.48% | 8.27% | -7.79% | 61st above |
| Provision / NCO | 833.33% | 288.59% | +544.74% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 57.40% | 62.18% | -4.78% | 79th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 57.40% | 62.18% | -4.78% | 79th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 57.97% | 63.15% | -5.18% | 79th top |
| Leverage Ratio | 29.58% | 17.63% | +11.95% | 88th top |
| Equity / Assets | 29.78% | 16.43% | +13.35% | 88th top |
| TCE / Tangible Assets | 29.78% | 16.18% | +13.60% | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 47.34% | 72.86% | -25.52% | 74th above |
| Core Deposit Ratio | 93.35% | 88.27% | +5.08% | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.28% | 4.26% | -5.54% | 25th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.69% | 6.75% | -1.06% | 63rd above |
| Deposit Growth (Y/Y) | -3.07% | 3.73% | -6.80% | 20th bottom |
See Farmers State Bank of Emden'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 of Emden, 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 of Emden profile, how to read a UBPR, or how this data updates.