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 McPherson, 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 | 1.54% | 1.34% | +0.20% | 65th above |
| ROAE | 21.61% | 13.32% | +8.29% | 91st top |
| Net Interest Margin | 3.84% | 3.93% | -0.09% | 45th below |
| Efficiency Ratio | 57.68% | 61.13% | -3.45% | 61st above |
| PPNR / Avg Assets | 1.70% | 1.68% | +0.02% | 56th above |
| Yield on Earning Assets | 5.37% | 5.67% | -0.30% | 38th below |
| Cost of Funds | 1.68% | 1.88% | -0.20% | 58th above |
| Net Interest Spread | 3.24% | 3.32% | -0.08% | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.94% | -0.93% | 85th top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 86th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.16% | -0.08% | 21st bottom |
| ACL / Total Loans | 1.09% | 1.28% | -0.19% | 37th below |
| ACL / NPLs (Coverage) | 20500.00% | 1542.50% | +18957.50% | — |
| Texas Ratio | 0.04% | 7.34% | -7.30% | 89th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 410.71% | 1395.13% | -984.42% | 70th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.05% | 12.14% | -2.09% | 33rd below |
| Equity / Assets | 6.93% | 11.37% | -4.44% | 6th bottom |
| TCE / Tangible Assets | 6.93% | 11.08% | -4.15% | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.64% | 80.67% | -21.03% | 84th top |
| Core Deposit Ratio | 77.26% | 86.85% | -9.59% | 11th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.88% | 5.04% | -0.16% | 39th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.12% | 6.84% | +6.28% | 89th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.36% | 7.92% | -0.56% | 62nd above |
| Deposit Growth (Y/Y) | 9.58% | 6.29% | +3.29% | 81st 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.