Farmers State Bank of Underwood: 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 Underwood of Underwood, 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 | 1.66% | 1.34% | +0.32% | 72nd above |
| ROAE | 21.22% | 13.32% | +7.90% | 90th top |
| Net Interest Margin | 4.67% | 3.93% | +0.74% | 85th top |
| Efficiency Ratio | 58.17% | 61.13% | -2.96% | 59th above |
| PPNR / Avg Assets | 1.98% | 1.68% | +0.30% | 71st above |
| Yield on Earning Assets | 6.72% | 5.67% | +1.05% | 92nd top |
| Cost of Funds | 2.11% | 1.88% | +0.23% | 31st below |
| Net Interest Spread | 3.99% | 3.32% | +0.67% | 83rd top |
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 Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 29th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.28% | -0.01% | 58th above |
| Texas Ratio | 0.27% | 7.34% | -7.07% | 84th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 285.71% | 1395.05% | -1109.34% | 65th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.53% | 19.49% | -7.96% | 12th bottom |
| Tier 1 Ratio | 11.53% | 19.52% | -7.99% | 12th bottom |
| Total Capital Ratio | 12.78% | 20.61% | -7.83% | 14th bottom |
| Leverage Ratio | 8.62% | 12.14% | -3.52% | 8th bottom |
| Equity / Assets | 7.90% | 11.37% | -3.47% | 13th bottom |
| TCE / Tangible Assets | 7.90% | 11.08% | -3.18% | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.52% | 80.66% | +1.86% | 46th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.28% | 86.85% | +0.43% | 40th below |
| Wholesale Funding Ratio | 0.35% | 5.04% | -4.69% | 92nd 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. | 4.95% | 6.84% | -1.89% | 54th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.59% | 7.92% | -0.33% | 63rd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.21% | 6.29% | -2.08% | 51st above |
See Farmers State Bank of Underwood'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 Underwood, 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 Underwood profile, how to read a UBPR, or how this data updates.