The Farmers State Bank: 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 New Madison, OH against its peer group of 2672 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 | 1.45% | 1.34% | +0.11% | 60th above |
| ROAE Behind the peer average, ahead of the median peer. | 13.07% | 13.31% | -0.24% | 54th above |
| Net Interest Margin | 4.24% | 3.93% | +0.31% | 67th above |
| Efficiency Ratio | 54.30% | 61.14% | -6.84% | 71st above |
| PPNR / Avg Assets | 1.97% | 1.68% | +0.29% | 71st above |
| Yield on Earning Assets | 5.84% | 5.67% | +0.17% | 61st above |
| Cost of Funds | 1.71% | 1.88% | -0.17% | 56th above |
| Net Interest Spread | 3.77% | 3.32% | +0.45% | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 0.94% | -0.86% | 75th top |
| NPA / Total Assets | 0.06% | 0.70% | -0.64% | 76th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 34th below |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 45th below |
| ACL / NPLs (Coverage) | 1437.57% | 1538.71% | -101.14% | — |
| Texas Ratio | 1.88% | 7.33% | -5.45% | 64th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 251.39% | 1396.04% | -1144.65% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.86% | 12.14% | -1.28% | 48th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.31% | 11.37% | -0.06% | 64th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.07% | 11.09% | -1.02% | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.08% | 80.64% | +0.44% | 49th below |
| Core Deposit Ratio | 85.06% | 86.86% | -1.80% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 29.58% | 6.85% | +22.73% | 97th top |
| Loan Growth (Y/Y) | 26.50% | 7.90% | +18.60% | 96th top |
| Deposit Growth (Y/Y) | 31.62% | 6.28% | +25.34% | 97th top |
See The Farmers State Bank'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, 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 profile, how to read a UBPR, or how this data updates.