First Farmers & Merchants State Bank of Grand Meadow: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Farmers & Merchants State Bank of Grand Meadow of Grand Meadow, MN against its peer group of 506 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 | 1.01% | 3.14% | -2.13% | 48th below |
| ROAE | 11.43% | 10.30% | +1.13% | 65th above |
| Net Interest Margin | 4.51% | 3.94% | +0.57% | 75th top |
| Efficiency Ratio | 56.01% | 76.37% | -20.36% | 78th top |
| PPNR / Avg Assets | 2.01% | 1.40% | +0.61% | 79th top |
| Yield on Earning Assets | 6.22% | 5.35% | +0.87% | 81st top |
| Cost of Funds | 1.88% | 1.70% | +0.18% | 34th below |
| Net Interest Spread | 4.04% | 3.32% | +0.72% | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.73% | 1.34% | -0.61% | 37th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.60% | 0.71% | -0.11% | 29th below |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 1.49% | 1.49% | +0.00% | 67th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 202.86% | 867.70% | -664.84% | 58th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.70% | 8.27% | -2.57% | 31st below |
| Provision / NCO | 1777.78% | 280.60% | +1497.18% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.46% | 62.45% | -50.99% | 6th bottom |
| Tier 1 Ratio | 11.46% | 62.45% | -50.99% | 6th bottom |
| Total Capital Ratio | 12.71% | 63.42% | -50.71% | 7th bottom |
| Leverage Ratio | 9.44% | 17.66% | -8.22% | 14th bottom |
| Equity / Assets | 9.34% | 16.47% | -7.13% | 20th bottom |
| TCE / Tangible Assets | 9.34% | 16.21% | -6.87% | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.81% | 72.79% | +19.02% | 16th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 90.84% | 88.27% | +2.57% | 47th below |
| Wholesale Funding Ratio | 0.73% | 5.21% | -4.48% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.96% | 4.28% | -7.24% | 18th bottom |
| Loan Growth (Y/Y) | 6.89% | 6.75% | +0.14% | 68th above |
| Deposit Growth (Y/Y) | -4.14% | 3.74% | -7.88% | 16th bottom |
See First Farmers & Merchants State Bank of Grand Meadow's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Farmers & Merchants State Bank of Grand Meadow, 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 State Bank of Grand Meadow profile, how to read a UBPR, or how this data updates.