Farmers Trust and Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers Trust and Savings Bank of Williamsburg, IA 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 | 2.86% | 1.34% | +1.52% | 97th top |
| ROAE Behind the peer average, ahead of the median peer. | 12.65% | 13.31% | -0.66% | 52nd above |
| Net Interest Margin | 4.61% | 3.93% | +0.68% | 83rd top |
| Efficiency Ratio | 36.04% | 61.14% | -25.10% | 97th top |
| PPNR / Avg Assets | 2.95% | 1.68% | +1.27% | 95th top |
| Yield on Earning Assets | 6.05% | 5.67% | +0.38% | 71st above |
| Cost of Funds | 1.77% | 1.88% | -0.11% | 52nd above |
| Net Interest Spread | 3.86% | 3.32% | +0.54% | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.41% | 0.94% | -0.53% | 50th above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.35% | 0.70% | -0.35% | 47th below |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 85th top |
| ACL / Total Loans | 0.41% | 1.28% | -0.87% | 1st bottom |
| ACL / NPLs (Coverage) | 100.99% | 1538.96% | -1437.97% | 28th below |
| Texas Ratio | 1.50% | 7.33% | -5.83% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 23.08% | 12.14% | +10.94% | 97th top |
| Equity / Assets | 23.04% | 11.37% | +11.67% | 97th top |
| TCE / Tangible Assets | 23.04% | 11.09% | +11.95% | 97th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 108.65% | 80.63% | +28.02% | 4th bottom |
| Core Deposit Ratio | 95.51% | 86.86% | +8.65% | 86th top |
| Wholesale Funding Ratio | 3.49% | 5.03% | -1.54% | 50th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.46% | 6.85% | -6.39% | 22nd bottom |
| Loan Growth (Y/Y) | 8.53% | 7.90% | +0.63% | 68th above |
| Deposit Growth (Y/Y) | -6.46% | 6.29% | -12.75% | 5th bottom |
See Farmers Trust and Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers Trust and Savings 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 Farmers Trust and Savings Bank profile, how to read a UBPR, or how this data updates.