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 Holton, KS against its peer group of 506 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 Behind the peer average, ahead of the median peer. | 1.90% | 3.13% | -1.23% | 81st top |
| ROAE | 17.33% | 10.28% | +7.05% | 87th top |
| Net Interest Margin | 4.06% | 3.94% | +0.12% | 59th above |
| Efficiency Ratio | 47.94% | 76.38% | -28.44% | 90th top |
| PPNR / Avg Assets | 2.24% | 1.40% | +0.84% | 85th top |
| Yield on Earning Assets | 5.68% | 5.35% | +0.33% | 67th above |
| Cost of Funds | 1.87% | 1.70% | +0.17% | 34th below |
| Net Interest Spread | 3.53% | 3.32% | +0.21% | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 1.34% | -1.22% | 57th above |
| NPA / Total Assets | 0.07% | 0.71% | -0.64% | 55th above |
| NCO / Avg Loans | -0.01% | 0.10% | -0.11% | 79th top |
| ACL / Total Loans | 1.04% | 1.49% | -0.45% | 32nd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 853.23% | 865.21% | -11.98% | 87th top |
| Texas Ratio | 2.24% | 8.28% | -6.04% | 50th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.74% | 17.65% | -4.91% | 46th below |
| Equity / Assets | 11.08% | 16.46% | -5.38% | 37th below |
| TCE / Tangible Assets | 11.08% | 16.20% | -5.12% | 39th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Ahead of the peer average, behind the median peer. | 68.09% | 72.85% | -4.76% | 48th below |
| Core Deposit Ratio | 77.80% | 88.30% | -10.50% | 10th bottom |
| Wholesale Funding Ratio | 0.67% | 5.21% | -4.54% | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.22% | 4.24% | +7.98% | 90th top |
| Loan Growth (Y/Y) | 2.14% | 6.76% | -4.62% | 49th below |
| Deposit Growth (Y/Y) | 12.57% | 3.70% | +8.87% | 90th top |
See The Farmers State Bank's peers by name
The 506 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.