Farmers Trust & 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 & Savings Bank of Earling, 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 | 1.86% | 1.35% | +0.51% | 81st top |
| ROAE | 20.84% | 12.05% | +8.79% | 89th top |
| Net Interest Margin | 3.99% | 3.90% | +0.09% | 53rd above |
| Efficiency Ratio | 49.99% | 63.15% | -13.16% | 81st top |
| PPNR / Avg Assets | 2.00% | 1.64% | +0.36% | 72nd above |
| Yield on Earning Assets | 5.38% | 5.65% | -0.27% | 39th below |
| Cost of Funds | 1.45% | 1.85% | -0.40% | 72nd above |
| Net Interest Spread | 3.46% | 3.35% | +0.11% | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.92% | -0.88% | 80th top |
| NPA / Total Assets | 0.03% | 0.67% | -0.64% | 82nd top |
| NCO / Avg Loans | -0.00% | 0.15% | -0.15% | 81st top |
| ACL / Total Loans | 1.04% | 1.28% | -0.24% | 31st below |
| ACL / NPLs (Coverage) | 2607.69% | 1644.73% | +962.96% | — |
| Texas Ratio | 0.27% | 7.15% | -6.88% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.31% | 20.83% | -7.52% | 31st below |
| Tier 1 Ratio | 13.31% | 20.87% | -7.56% | 31st below |
| Total Capital Ratio | 14.32% | 21.94% | -7.62% | 30th below |
| Leverage Ratio | 9.00% | 12.46% | -3.46% | 12th bottom |
| Equity / Assets | 8.90% | 11.67% | -2.77% | 26th below |
| TCE / Tangible Assets | 8.90% | 11.40% | -2.50% | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.36% | 78.65% | -6.29% | 67th above |
| Core Deposit Ratio | 93.10% | 87.09% | +6.01% | 74th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.51% | 6.48% | -4.97% | 29th below |
| Loan Growth (Y/Y) | 11.43% | 7.64% | +3.79% | 78th top |
| Deposit Growth (Y/Y) | 1.04% | 6.02% | -4.98% | 29th below |
See Farmers Trust & 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 & 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 & Savings Bank profile, how to read a UBPR, or how this data updates.