FMB Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks FMB Bank of Wright City, MO against its peer group of 578 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 | 0.20% | 0.85% | -0.65% | 15th bottom |
| ROAE | 2.98% | 5.23% | -2.25% | 21st bottom |
| Net Interest Margin | 3.36% | 3.94% | -0.58% | 25th below |
| Efficiency Ratio | 85.19% | 74.96% | +10.23% | 21st bottom |
| PPNR / Avg Assets | 0.48% | — | — | 17th bottom |
| Yield on Earning Assets | 4.53% | 5.42% | -0.89% | 23rd bottom |
| Cost of Funds | 0.89% | 1.69% | -0.80% | 83rd top |
| Net Interest Spread | 2.17% | — | — | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | — | — | 81st top |
| NCO / Avg Loans | -0.09% | 0.11% | -0.20% | 93rd top |
| ACL / Total Loans | 0.97% | — | — | 26th below |
| Texas Ratio | 0.05% | 7.23% | -7.18% | 65th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.55% | 25.12% | -10.57% | 18th bottom |
| Tier 1 Ratio | 14.55% | 25.12% | -10.57% | 18th bottom |
| Total Capital Ratio | 15.10% | — | — | 14th bottom |
| Leverage Ratio | 7.49% | 14.13% | -6.64% | 2nd bottom |
| Equity / Assets | 6.83% | 13.07% | -6.24% | 4th bottom |
| TCE / Tangible Assets | 6.83% | — | — | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 32.25% | 68.58% | -36.33% | 90th top |
| Core Deposit Ratio | 97.65% | 88.79% | +8.86% | 85th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.51% | — | — | 68th above |
| Loan Growth (Y/Y) | 2.29% | — | — | 49th below |
| Deposit Growth (Y/Y) | 5.80% | — | — | 67th above |
See FMB Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock FMB 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 FMB Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the FMB Bank peer analysis.