Farmers State Bank of Hoffman: 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 Hoffman of Hoffman, IL 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 | 0.70% | 1.35% | -0.65% | 19th bottom |
| ROAE | 7.39% | 12.06% | -4.67% | 23rd bottom |
| Net Interest Margin | 3.28% | 3.90% | -0.62% | 19th bottom |
| Efficiency Ratio | 68.32% | 63.15% | +5.17% | 32nd below |
| PPNR / Avg Assets | 1.03% | 1.64% | -0.61% | 22nd bottom |
| Yield on Earning Assets | 4.67% | 5.65% | -0.98% | 13th bottom |
| Cost of Funds | 1.55% | 1.85% | -0.30% | 66th above |
| Net Interest Spread | 2.73% | 3.35% | -0.62% | 22nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 0.92% | -0.79% | 70th above |
| NPA / Total Assets | 0.06% | 0.67% | -0.61% | 75th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 47th below |
| ACL / Total Loans | 1.17% | 1.28% | -0.11% | 47th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 908.84% | 1645.45% | -736.61% | 81st top |
| Texas Ratio | 0.85% | 7.15% | -6.30% | 75th top |
| Provision / NCO | 1240.00% | 1189.17% | +50.83% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.95% | 12.46% | -0.51% | 64th above |
| Equity / Assets | 9.31% | 11.67% | -2.36% | 32nd below |
| TCE / Tangible Assets | 9.31% | 11.40% | -2.09% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.08% | 78.65% | -10.57% | 73rd above |
| Core Deposit Ratio | 89.58% | 87.09% | +2.49% | 52nd above |
| Wholesale Funding Ratio | 17.55% | 5.11% | +12.44% | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.26% | 6.47% | +0.79% | 71st above |
| Loan Growth (Y/Y) | 11.31% | 7.64% | +3.67% | 78th top |
| Deposit Growth (Y/Y) | 1.26% | 6.02% | -4.76% | 31st below |
See Farmers State Bank of Hoffman's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers State Bank of Hoffman, 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 Hoffman profile, how to read a UBPR, or how this data updates.