Farmers State Bank & Trust Company: 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 Company of Church Point, LA against its peer group of 2672 similarly-sized US banks as of Q3 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 | 1.82% | 1.25% | +0.57% | 69th above |
| ROAE | 23.92% | 13.24% | +10.68% | 95th top |
| Net Interest Margin | 4.32% | 3.95% | +0.37% | 64th above |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 59.99% | 61.22% | -1.23% | 43rd below |
| PPNR / Avg Assets | 1.85% | — | — | 48th below |
| Yield on Earning Assets | 5.54% | 5.68% | -0.14% | 48th below |
| Cost of Funds | 1.27% | 1.88% | -0.61% | 70th above |
| Net Interest Spread | 3.67% | — | — | 61st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.08% | 0.94% | +2.14% | 7th bottom |
| NPA / Total Assets | 1.61% | — | — | 10th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.16% | -0.11% | 20th bottom |
| ACL / Total Loans | 1.82% | — | — | 84th top |
| ACL / NPLs (Coverage) | 59.21% | — | — | 14th bottom |
| Texas Ratio | 20.20% | 7.40% | +12.80% | 5th bottom |
| Provision / NCO | 23.44% | — | — | 23rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.30% | 11.73% | -2.43% | 5th bottom |
| Equity / Assets | 7.33% | 10.96% | -3.63% | 3rd bottom |
| TCE / Tangible Assets | 7.33% | — | — | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 53.10% | 80.60% | -27.50% | 79th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.68% | 86.92% | +1.76% | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.23% | — | — | 21st bottom |
| Loan Growth (Y/Y) | 6.40% | — | — | 57th above |
| Deposit Growth (Y/Y) | 1.01% | — | — | 26th below |
See Farmers State Bank & Trust Company'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 Company, 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 Company profile, how to read a UBPR, or how this data updates.