F&M Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks F&M Bank and Trust Company of Hannibal, MO 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 | 0.92% | 1.35% | -0.43% | 29th below |
| ROAE | 10.22% | 12.05% | -1.83% | 37th below |
| Net Interest Margin | 3.46% | 3.90% | -0.44% | 26th below |
| Efficiency Ratio | 68.06% | 63.15% | +4.91% | 32nd below |
| PPNR / Avg Assets | 1.20% | 1.64% | -0.44% | 29th below |
| Yield on Earning Assets | 4.93% | 5.65% | -0.72% | 20th bottom |
| Cost of Funds | 1.58% | 1.85% | -0.27% | 64th above |
| Net Interest Spread | 2.88% | 3.35% | -0.47% | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.46% | 0.92% | +0.54% | 19th bottom |
| NPA / Total Assets | 1.06% | 0.67% | +0.39% | 19th bottom |
| NCO / Avg Loans | -0.00% | 0.15% | -0.15% | 80th top |
| ACL / Total Loans | 1.07% | 1.28% | -0.21% | 33rd below |
| ACL / NPLs (Coverage) | 72.91% | 1645.81% | -1572.90% | 19th bottom |
| Texas Ratio | 10.78% | 7.15% | +3.63% | 20th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.38% | 20.83% | -5.45% | 53rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.38% | 20.86% | -5.48% | 53rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.47% | 21.94% | -5.47% | 52nd above |
| Leverage Ratio | 10.20% | 12.46% | -2.26% | 36th below |
| Equity / Assets | 9.39% | 11.67% | -2.28% | 34th below |
| TCE / Tangible Assets | 9.12% | 11.40% | -2.28% | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.76% | 78.64% | -2.88% | 60th above |
| Core Deposit Ratio | 95.98% | 87.09% | +8.89% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.16% | 6.48% | -6.64% | 18th bottom |
| Loan Growth (Y/Y) | 7.94% | 7.64% | +0.30% | 65th above |
| Deposit Growth (Y/Y) | -1.44% | 6.03% | -7.47% | 16th bottom |
See F&M Bank and Trust Company'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 and Trust Company, 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 and Trust Company profile, how to read a UBPR, or how this data updates.