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 Westmoreland, 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 | 1.07% | 1.34% | -0.27% | 37th below |
| ROAE | 9.09% | 13.32% | -4.23% | 31st below |
| Net Interest Margin | 3.24% | 3.93% | -0.69% | 17th bottom |
| Efficiency Ratio | 56.84% | 61.13% | -4.29% | 64th above |
| PPNR / Avg Assets | 1.47% | 1.68% | -0.21% | 43rd below |
| Yield on Earning Assets | 5.18% | 5.67% | -0.49% | 30th below |
| Cost of Funds | 2.20% | 1.88% | +0.32% | 26th below |
| Net Interest Spread | 2.45% | 3.32% | -0.87% | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.25% | 0.94% | +0.31% | 23rd bottom |
| NPA / Total Assets | 0.70% | 0.70% | +0.00% | 30th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.14% | 0.16% | -0.02% | 16th bottom |
| ACL / Total Loans | 1.60% | 1.28% | +0.32% | 84th top |
| ACL / NPLs (Coverage) | 128.56% | 1546.51% | -1417.95% | 36th below |
| Texas Ratio | 11.15% | 7.34% | +3.81% | 19th bottom |
| Provision / NCO | 85.54% | 1395.36% | -1309.82% | 36th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.88% | 12.14% | +1.74% | 81st top |
| Equity / Assets | 11.95% | 11.36% | +0.59% | 71st above |
| TCE / Tangible Assets | 11.95% | 11.08% | +0.87% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 63.67% | 80.67% | -17.00% | 79th top |
| Core Deposit Ratio | 89.57% | 86.85% | +2.72% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.54% | 6.84% | +3.70% | 84th top |
| Loan Growth (Y/Y) | 3.61% | 7.92% | -4.31% | 40th below |
| Deposit Growth (Y/Y) | 10.61% | 6.29% | +4.32% | 85th top |
See The Farmers State Bank's peers by name
The 2603 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.