F&M Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks F&M Bank of Edmond, OK 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 | 1.25% | 1.34% | -0.09% | 49th below |
| ROAE | 12.12% | 13.32% | -1.20% | 49th below |
| Net Interest Margin | 4.42% | 3.93% | +0.49% | 76th top |
| Efficiency Ratio | 54.25% | 61.14% | -6.89% | 71st above |
| PPNR / Avg Assets | 2.00% | 1.68% | +0.32% | 72nd above |
| Yield on Earning Assets | 6.19% | 5.67% | +0.52% | 77th top |
| Cost of Funds | 1.92% | 1.88% | +0.04% | 42nd below |
| Net Interest Spread | 3.74% | 3.32% | +0.42% | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.94% | -0.90% | 80th top |
| NPA / Total Assets | 0.03% | 0.70% | -0.67% | 81st top |
| NCO / Avg Loans | 3.65% | 0.15% | +3.50% | 1st bottom |
| ACL / Total Loans | 1.13% | 1.28% | -0.15% | 41st below |
| ACL / NPLs (Coverage) | 2954.00% | 1544.75% | +1409.25% | — |
| Texas Ratio | 2.42% | 7.34% | -4.92% | 59th above |
| Provision / NCO | 53.64% | 1396.67% | -1343.03% | 28th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.00% | 12.14% | -2.14% | 31st below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.48% | 11.37% | -0.89% | 52nd above |
| TCE / Tangible Assets | 9.85% | 11.08% | -1.23% | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.03% | 80.66% | +1.37% | 47th below |
| Core Deposit Ratio | 83.95% | 86.85% | -2.90% | 27th below |
| Wholesale Funding Ratio | 1.35% | 5.04% | -3.69% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 20.65% | 6.83% | +13.82% | 95th top |
| Loan Growth (Y/Y) | 16.11% | 7.91% | +8.20% | 88th top |
| Deposit Growth (Y/Y) | 22.38% | 6.27% | +16.11% | 95th top |
See F&M Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock F&M 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 F&M Bank profile, how to read a UBPR, or how this data updates.