Farmers State Bank & Trust Co.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers State Bank & Trust Co. of Mount Sterling, IL 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 Behind the peer average, ahead of the median peer. | 1.31% | 1.34% | -0.03% | 53rd above |
| ROAE | 15.64% | 13.31% | +2.33% | 69th above |
| Net Interest Margin | 4.07% | 3.93% | +0.14% | 57th above |
| Efficiency Ratio | 52.29% | 61.14% | -8.85% | 76th top |
| PPNR / Avg Assets | 1.97% | 1.68% | +0.29% | 71st above |
| Yield on Earning Assets | 5.58% | 5.67% | -0.09% | 49th below |
| Cost of Funds | 1.60% | 1.88% | -0.28% | 63rd above |
| Net Interest Spread | 3.58% | 3.32% | +0.26% | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.11% | 0.94% | +0.17% | 26th below |
| NPA / Total Assets | 0.77% | 0.70% | +0.07% | 27th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 31st below |
| ACL / Total Loans | 1.29% | 1.28% | +0.01% | 62nd above |
| ACL / NPLs (Coverage) | 116.57% | 1538.87% | -1422.30% | 32nd below |
| Texas Ratio | 8.27% | 7.33% | +0.94% | 27th below |
| Provision / NCO | 1666.67% | 1395.44% | +271.23% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.29% | 19.50% | -6.21% | 31st below |
| Tier 1 Ratio | 13.29% | 19.54% | -6.25% | 31st below |
| Total Capital Ratio | 14.54% | 20.62% | -6.08% | 32nd below |
| Leverage Ratio | 9.37% | 12.14% | -2.77% | 19th bottom |
| Equity / Assets | 8.51% | 11.37% | -2.86% | 20th bottom |
| TCE / Tangible Assets | 8.47% | 11.09% | -2.62% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.98% | 80.64% | -3.66% | 57th above |
| Core Deposit Ratio | 84.67% | 86.86% | -2.19% | 29th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.73% | 6.85% | -6.12% | 24th bottom |
| Loan Growth (Y/Y) | -0.77% | 7.90% | -8.67% | 20th bottom |
| Deposit Growth (Y/Y) | 0.05% | 6.29% | -6.24% | 23rd bottom |
See Farmers State Bank & Trust Co.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers State Bank & Trust Co., 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 Farmers State Bank & Trust Co. profile, how to read a UBPR, or how this data updates.