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 Falls City, NE 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 | 1.57% | 1.34% | +0.23% | 67th above |
| ROAE | 13.94% | 13.32% | +0.62% | 60th above |
| Net Interest Margin | 3.62% | 3.93% | -0.31% | 33rd below |
| Efficiency Ratio | 55.34% | 61.13% | -5.79% | 68th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.60% | 1.68% | -0.08% | 51st above |
| Yield on Earning Assets | 4.73% | 5.67% | -0.94% | 14th bottom |
| Cost of Funds | 1.27% | 1.88% | -0.61% | 81st top |
| Net Interest Spread | 3.19% | 3.32% | -0.13% | 43rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.03% | 0.16% | -0.19% | 92nd top |
| ACL / Total Loans | 1.95% | 1.28% | +0.67% | 93rd top |
| Texas Ratio | 0.00% | 7.34% | -7.34% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.63% | 12.14% | -0.51% | 60th above |
| Equity / Assets | 11.78% | 11.36% | +0.42% | 69th above |
| TCE / Tangible Assets | 11.78% | 11.08% | +0.70% | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 49.14% | 80.67% | -31.53% | 92nd top |
| Core Deposit Ratio | 96.72% | 86.85% | +9.87% | 92nd top |
| Wholesale Funding Ratio | 2.92% | 5.04% | -2.12% | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -8.18% | 6.84% | -15.02% | 2nd bottom |
| Loan Growth (Y/Y) | -6.80% | 7.92% | -14.72% | 5th bottom |
| Deposit Growth (Y/Y) | -10.34% | 6.29% | -16.63% | 2nd bottom |
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.