The Farmers State Bank of Waupaca: 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 Waupaca of Waupaca, WI against its peer group of 2672 similarly-sized US banks as of Q3 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. | 1.62% | 1.25% | +0.37% | 49th below |
| ROAE | 15.64% | 13.24% | +2.40% | 57th above |
| Net Interest Margin | 4.46% | 3.95% | +0.51% | 72nd above |
| Efficiency Ratio | 56.71% | 61.22% | -4.51% | 56th above |
| PPNR / Avg Assets | 1.87% | — | — | 49th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.56% | 5.68% | -0.12% | 53rd above |
| Cost of Funds | 1.21% | 1.88% | -0.67% | 79th top |
| Net Interest Spread | 3.90% | — | — | 74th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 92nd top |
| NPA / Total Assets | 0.00% | — | — | 93rd top |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 84th top |
| ACL / Total Loans | 1.25% | — | — | 52nd above |
| Texas Ratio | 0.00% | 7.40% | -7.40% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.70% | 11.73% | -0.03% | 51st above |
| Equity / Assets | 10.31% | 10.96% | -0.65% | 48th below |
| TCE / Tangible Assets | 10.31% | — | — | 49th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.57% | 80.60% | -9.03% | 54th above |
| Core Deposit Ratio | 94.30% | 86.92% | +7.38% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.19% | — | — | 61st above |
| Loan Growth (Y/Y) | 8.34% | — | — | 69th above |
| Deposit Growth (Y/Y) | 6.17% | — | — | 69th above |
See The Farmers State Bank of Waupaca's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Farmers State Bank of Waupaca, 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 Waupaca profile, how to read a UBPR, or how this data updates.