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 Spencer, IA 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 | 1.36% | 1.34% | +0.02% | 56th above |
| ROAE | 15.36% | 13.32% | +2.04% | 68th above |
| Net Interest Margin | 2.94% | 3.93% | -0.99% | 9th bottom |
| Efficiency Ratio | 52.00% | 61.14% | -9.14% | 77th top |
| PPNR / Avg Assets | 1.42% | 1.68% | -0.26% | 40th below |
| Yield on Earning Assets | 5.38% | 5.67% | -0.29% | 39th below |
| Cost of Funds | 2.69% | 1.88% | +0.81% | 11th bottom |
| Net Interest Spread | 2.56% | 3.32% | -0.76% | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.97% | 0.94% | +0.03% | 29th below |
| NPA / Total Assets | 0.93% | 0.70% | +0.23% | 22nd bottom |
| NCO / Avg Loans | -0.14% | 0.16% | -0.30% | 98th top |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 46th below |
| ACL / NPLs (Coverage) | 119.28% | 1547.05% | -1427.77% | 33rd below |
| Texas Ratio | 14.74% | 7.33% | +7.41% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.07% | 19.49% | -8.42% | 9th bottom |
| Tier 1 Ratio | 11.07% | 19.53% | -8.46% | 9th bottom |
| Total Capital Ratio | 12.19% | 20.61% | -8.42% | 9th bottom |
| Leverage Ratio | 9.53% | 12.14% | -2.61% | 22nd bottom |
| Equity / Assets | 9.26% | 11.37% | -2.11% | 31st below |
| TCE / Tangible Assets | 9.26% | 11.08% | -1.82% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.05% | 80.66% | +10.39% | 26th below |
| Core Deposit Ratio | 77.38% | 86.85% | -9.47% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.73% | 6.84% | -4.11% | 38th below |
| Loan Growth (Y/Y) | 1.60% | 7.92% | -6.32% | 29th below |
| Deposit Growth (Y/Y) | 7.03% | 6.29% | +0.74% | 71st above |
See Farmers Trust and Savings Bank's peers by name
The 2603 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.