Farmers State Bank of Hamel: 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 Hamel of Hamel, MN 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 | 0.75% | 1.35% | -0.60% | 21st bottom |
| ROAE | 12.23% | 13.32% | -1.09% | 49th below |
| Net Interest Margin | 2.69% | 3.93% | -1.24% | 5th bottom |
| Efficiency Ratio | 64.00% | 61.13% | +2.87% | 42nd below |
| PPNR / Avg Assets | 1.00% | 1.68% | -0.68% | 20th bottom |
| Yield on Earning Assets | 4.10% | 5.67% | -1.57% | 3rd bottom |
| Cost of Funds | 1.50% | 1.88% | -0.38% | 69th above |
| Net Interest Spread | 2.04% | 3.32% | -1.28% | 5th bottom |
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 | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.49% | 1.28% | +0.21% | 77th top |
| Texas Ratio | 0.00% | 7.34% | -7.34% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.52% | 12.14% | -2.62% | 22nd bottom |
| Equity / Assets | 6.32% | 11.37% | -5.05% | 4th bottom |
| TCE / Tangible Assets | 6.32% | 11.08% | -4.76% | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 35.18% | 80.67% | -45.49% | 97th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.90% | 86.85% | +0.05% | 38th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.19% | 6.84% | -10.03% | 8th bottom |
| Loan Growth (Y/Y) | -4.53% | 7.92% | -12.45% | 8th bottom |
| Deposit Growth (Y/Y) | -0.84% | 6.29% | -7.13% | 19th bottom |
See Farmers State Bank of Hamel's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers State Bank of Hamel, 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 Hamel profile, how to read a UBPR, or how this data updates.