The Farmers State Bank of Oakley, Kansas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Farmers State Bank of Oakley, Kansas of Oakley, KS 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 Behind the peer average, ahead of the median peer. | 1.32% | 1.34% | -0.02% | 54th above |
| ROAE | 11.41% | 13.32% | -1.91% | 44th below |
| Net Interest Margin | 3.60% | 3.93% | -0.33% | 32nd below |
| Efficiency Ratio | 48.51% | 61.14% | -12.63% | 84th top |
| PPNR / Avg Assets | 1.55% | 1.68% | -0.13% | 48th below |
| Yield on Earning Assets | 6.27% | 5.67% | +0.60% | 79th top |
| Cost of Funds | 2.90% | 1.88% | +1.02% | 7th bottom |
| Net Interest Spread | 3.18% | 3.32% | -0.14% | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.94% | -0.93% | 84th top |
| NPA / Total Assets | 0.01% | 0.70% | -0.69% | 85th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 29th below |
| ACL / Total Loans | 0.85% | 1.28% | -0.43% | 14th bottom |
| ACL / NPLs (Coverage) | 7543.33% | 1543.60% | +5999.73% | — |
| Texas Ratio | 0.07% | 7.34% | -7.27% | 88th top |
| Provision / NCO | 0.00% | 1395.68% | -1395.68% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.07% | 19.49% | -6.42% | 29th below |
| Tier 1 Ratio | 13.07% | 19.52% | -6.45% | 29th below |
| Total Capital Ratio | 13.71% | 20.61% | -6.90% | 23rd bottom |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.61% | 12.14% | -0.53% | 60th above |
| Equity / Assets | 11.83% | 11.36% | +0.47% | 69th above |
| TCE / Tangible Assets | 11.11% | 11.08% | +0.03% | 65th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.02% | 80.66% | +9.36% | 28th below |
| Core Deposit Ratio | 80.03% | 86.85% | -6.82% | 16th bottom |
| Wholesale Funding Ratio | 12.98% | 5.03% | +7.95% | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 30.72% | 6.83% | +23.89% | 98th top |
| Loan Growth (Y/Y) | 22.83% | 7.91% | +14.92% | 94th top |
| Deposit Growth (Y/Y) | 39.49% | 6.28% | +33.21% | 98th top |
See The Farmers State Bank of Oakley, Kansas's peers by name
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Unlock The Farmers State Bank of Oakley, Kansas, 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 The Farmers State Bank of Oakley, Kansas profile, how to read a UBPR, or how this data updates.