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 Quinton, OK 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 | 1.62% | 1.34% | +0.28% | 70th above |
| ROAE | 31.92% | 13.31% | +18.61% | 98th top |
| Net Interest Margin | 5.23% | 3.93% | +1.30% | 95th top |
| Efficiency Ratio | 67.17% | 61.14% | +6.03% | 34th below |
| PPNR / Avg Assets | 1.99% | 1.68% | +0.31% | 72nd above |
| Yield on Earning Assets | 6.67% | 5.67% | +1.00% | 90th top |
| Cost of Funds | 1.47% | 1.88% | -0.41% | 71st above |
| Net Interest Spread | 4.76% | 3.32% | +1.44% | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.72% | 0.94% | -0.22% | 36th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.48% | 0.70% | -0.22% | 39th below |
| NCO / Avg Loans | 0.65% | 0.16% | +0.49% | 5th bottom |
| ACL / Total Loans | 1.57% | 1.28% | +0.29% | 82nd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 216.47% | 1538.94% | -1322.47% | 50th above |
| Texas Ratio | 8.83% | 7.33% | +1.50% | 25th below |
| Provision / NCO | 120.70% | 1395.85% | -1275.15% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.05% | 19.50% | -6.45% | 28th below |
| Tier 1 Ratio | 13.05% | 19.54% | -6.49% | 28th below |
| Total Capital Ratio | 14.28% | 20.62% | -6.34% | 30th below |
| Leverage Ratio | 9.30% | 12.14% | -2.84% | 18th bottom |
| Equity / Assets | 5.13% | 11.38% | -6.25% | 1st bottom |
| TCE / Tangible Assets | 5.13% | 11.09% | -5.96% | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.02% | 80.64% | -10.62% | 70th above |
| Core Deposit Ratio | 90.36% | 86.86% | +3.50% | 57th above |
| Wholesale Funding Ratio | 0.00% | 5.03% | -5.03% | 100th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.84% | 6.85% | -7.69% | 15th bottom |
| Loan Growth (Y/Y) | 3.27% | 7.90% | -4.63% | 38th below |
| Deposit Growth (Y/Y) | -2.26% | 6.29% | -8.55% | 13th bottom |
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.