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, MN 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 Ahead of the peer average, behind the median peer. | 1.06% | 0.80% | +0.26% | 48th below |
| ROAE | 9.98% | 4.56% | +5.42% | 61st above |
| Net Interest Margin | 3.66% | 3.96% | -0.30% | 38th below |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 68.30% | 76.29% | -7.99% | 38th below |
| PPNR / Avg Assets | 1.06% | — | — | 34th below |
| Yield on Earning Assets | 4.71% | 5.45% | -0.74% | 26th below |
| Cost of Funds | 1.17% | 1.72% | -0.55% | 62nd above |
| Net Interest Spread | 3.04% | — | — | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.02% | 1.41% | +0.61% | 16th bottom |
| NPA / Total Assets | 0.96% | — | — | 21st bottom |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 50th above |
| ACL / Total Loans | 1.26% | — | — | 46th below |
| ACL / NPLs (Coverage) | 62.19% | — | — | 18th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 8.32% | 8.94% | -0.62% | 20th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 14.12% | 14.22% | -0.10% | 57th above |
| Equity / Assets | 10.91% | 13.16% | -2.25% | 41st below |
| TCE / Tangible Assets | 10.91% | — | — | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 53.34% | 69.24% | -15.90% | 64th above |
| Core Deposit Ratio | 95.66% | 88.77% | +6.89% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.93% | — | — | 26th below |
| Loan Growth (Y/Y) | 1.00% | — | — | 54th above |
| Deposit Growth (Y/Y) | -1.92% | — | — | 25th below |
See Farmers State Bank of Hoffman'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 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.