Farmers State Bank of Medora: 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 Medora of Medora, IL against its peer group of 536 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 | 0.36% | 3.14% | -2.78% | 21st bottom |
| ROAE | 3.06% | 10.42% | -7.36% | 24th bottom |
| Net Interest Margin | 3.01% | 3.93% | -0.92% | 14th bottom |
| Efficiency Ratio | 86.60% | 76.30% | +10.30% | 22nd bottom |
| PPNR / Avg Assets | 0.30% | 1.40% | -1.10% | 16th bottom |
| Yield on Earning Assets | 3.88% | 5.35% | -1.47% | 10th bottom |
| Cost of Funds | 0.91% | 1.71% | -0.80% | 83rd top |
| Net Interest Spread | 2.57% | 3.31% | -0.74% | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 1.34% | -1.28% | 61st above |
| NPA / Total Assets | 0.02% | 0.71% | -0.69% | 59th above |
| NCO / Avg Loans | -0.53% | 0.11% | -0.64% | 98th top |
| ACL / Total Loans | 0.98% | 1.49% | -0.51% | 26th below |
| ACL / NPLs (Coverage) | 1520.00% | 863.60% | +656.40% | — |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.44% | 8.25% | -2.81% | 32nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 28.80% | 61.90% | -33.10% | 65th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 28.80% | 61.90% | -33.10% | 65th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 29.51% | 62.87% | -33.36% | 64th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 15.51% | 17.61% | -2.10% | 67th above |
| Equity / Assets | 11.55% | 16.43% | -4.88% | 42nd below |
| TCE / Tangible Assets | 11.55% | 16.18% | -4.63% | 44th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 43.43% | 72.84% | -29.41% | 80th top |
| Core Deposit Ratio | 96.65% | 88.21% | +8.44% | 81st top |
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. | 3.40% | 4.30% | -0.90% | 55th above |
| Loan Growth (Y/Y) | -4.17% | 6.73% | -10.90% | 23rd bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 2.28% | 3.77% | -1.49% | 51st above |
See Farmers State Bank of Medora's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers State Bank of Medora, 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 Medora profile, how to read a UBPR, or how this data updates.