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 West Point, NE 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 | 2.15% | 1.35% | +0.80% | 89th top |
| ROAE | 18.81% | 12.05% | +6.76% | 83rd top |
| Net Interest Margin | 4.32% | 3.90% | +0.42% | 71st above |
| Efficiency Ratio | 56.64% | 63.15% | -6.51% | 64th above |
| PPNR / Avg Assets | 2.25% | 1.64% | +0.61% | 82nd top |
| Yield on Earning Assets | 5.99% | 5.65% | +0.34% | 68th above |
| Cost of Funds | 1.78% | 1.85% | -0.07% | 51st above |
| Net Interest Spread | 3.47% | 3.35% | +0.12% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.20% | 0.92% | -0.72% | 64th above |
| NPA / Total Assets | 0.17% | 0.67% | -0.50% | 63rd above |
| NCO / Avg Loans | -0.00% | 0.15% | -0.15% | 75th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.28% | -0.01% | 59th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 639.83% | 1645.57% | -1005.74% | 75th top |
| Texas Ratio | 1.41% | 7.15% | -5.74% | 68th above |
| Provision / NCO | 1666.67% | 1188.91% | +477.76% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.76% | 12.46% | -0.70% | 62nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.65% | 11.67% | -0.02% | 68th above |
| TCE / Tangible Assets | 11.65% | 11.40% | +0.25% | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.16% | 78.64% | +16.52% | 18th bottom |
| Core Deposit Ratio | 98.48% | 87.09% | +11.39% | 97th top |
| Wholesale Funding Ratio | 0.09% | 5.12% | -5.03% | 97th 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. | 4.65% | 6.47% | -1.82% | 52nd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.72% | 7.64% | -1.92% | 52nd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.92% | 6.02% | -1.10% | 57th above |
See F&M Bank's peers by name
The 2672 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.