FM Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks FM Bank of Waseca, 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 Behind the peer average, ahead of the median peer. | 1.34% | 1.35% | -0.01% | 55th above |
| ROAE | 17.98% | 12.05% | +5.93% | 80th top |
| Net Interest Margin | 3.57% | 3.90% | -0.33% | 30th below |
| Efficiency Ratio | 53.28% | 63.15% | -9.87% | 74th above |
| PPNR / Avg Assets | 1.42% | 1.64% | -0.22% | 39th below |
| Yield on Earning Assets | 5.47% | 5.65% | -0.18% | 44th below |
| Cost of Funds | 2.17% | 1.85% | +0.32% | 28th below |
| Net Interest Spread | 3.11% | 3.35% | -0.24% | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.17% | 0.92% | -0.75% | 66th above |
| NPA / Total Assets | 0.24% | 0.67% | -0.43% | 57th above |
| NCO / Avg Loans | -0.00% | 0.15% | -0.15% | 74th above |
| ACL / Total Loans | 0.59% | 1.28% | -0.69% | 4th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 346.28% | 1645.69% | -1299.41% | 63rd above |
| Texas Ratio | 3.10% | 7.15% | -4.05% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.18% | 20.84% | -9.66% | 10th bottom |
| Tier 1 Ratio | 11.18% | 20.87% | -9.69% | 10th bottom |
| Total Capital Ratio | 11.75% | 21.94% | -10.19% | 6th bottom |
| Leverage Ratio | 7.66% | 12.47% | -4.81% | 1st bottom |
| Equity / Assets | 7.93% | 11.67% | -3.74% | 13th bottom |
| TCE / Tangible Assets | 7.27% | 11.40% | -4.13% | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.75% | 78.64% | -0.89% | 56th above |
| Core Deposit Ratio | 90.65% | 87.09% | +3.56% | 58th above |
| Wholesale Funding Ratio | 5.47% | 5.11% | +0.36% | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.70% | 6.47% | +3.23% | 82nd top |
| Loan Growth (Y/Y) | 16.28% | 7.64% | +8.64% | 88th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.59% | 6.02% | -0.43% | 61st above |
See FM Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock FM 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 FM Bank profile, how to read a UBPR, or how this data updates.