First Farmers & Merchants Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Farmers & Merchants Bank of Cannon Falls, MN 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 | 1.55% | 1.34% | +0.21% | 66th above |
| ROAE | 16.96% | 13.31% | +3.65% | 75th top |
| Net Interest Margin | 4.21% | 3.93% | +0.28% | 65th above |
| Efficiency Ratio | 49.43% | 61.14% | -11.71% | 81st top |
| PPNR / Avg Assets | 2.23% | 1.68% | +0.55% | 81st top |
| Yield on Earning Assets | 5.34% | 5.67% | -0.33% | 37th below |
| Cost of Funds | 1.22% | 1.88% | -0.66% | 83rd top |
| 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 | 0.01% | 0.94% | -0.93% | 85th top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 86th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.98% | 1.28% | -0.30% | 23rd bottom |
| ACL / NPLs (Coverage) | 12600.00% | 1532.97% | +11067.03% | — |
| Texas Ratio | 0.05% | 7.33% | -7.28% | 89th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.04% | 19.51% | -5.47% | 39th below |
| Tier 1 Ratio | 14.04% | 19.54% | -5.50% | 39th below |
| Total Capital Ratio | 14.93% | 20.63% | -5.70% | 37th below |
| Leverage Ratio | 10.09% | 12.14% | -2.05% | 34th below |
| Equity / Assets | 9.66% | 11.38% | -1.72% | 39th below |
| TCE / Tangible Assets | 9.17% | 11.09% | -1.92% | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.96% | 80.64% | -9.68% | 69th above |
| Core Deposit Ratio | 92.99% | 86.86% | +6.13% | 74th above |
| Wholesale Funding Ratio | 0.20% | 5.04% | -4.84% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.77% | 6.85% | -2.08% | 53rd above |
| Loan Growth (Y/Y) | 5.03% | 7.90% | -2.87% | 48th below |
| Deposit Growth (Y/Y) | 3.75% | 6.29% | -2.54% | 48th below |
See First Farmers & Merchants Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Farmers & Merchants 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 First Farmers & Merchants Bank profile, how to read a UBPR, or how this data updates.