Independent Farmers Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Independent Farmers Bank of Maysville, 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 | 1.19% | 1.34% | -0.15% | 45th below |
| ROAE | 15.88% | 13.31% | +2.57% | 71st above |
| Net Interest Margin | 4.29% | 3.93% | +0.36% | 70th above |
| Efficiency Ratio | 62.23% | 61.14% | +1.09% | 48th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.59% | 1.68% | -0.09% | 50th above |
| Yield on Earning Assets | 5.48% | 5.67% | -0.19% | 44th below |
| Cost of Funds | 1.31% | 1.88% | -0.57% | 80th top |
| Net Interest Spread | 3.76% | 3.32% | +0.44% | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.72% | 0.94% | -0.22% | 36th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.44% | 0.70% | -0.26% | 41st below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.12% | 0.16% | -0.04% | 17th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.21% | 1.28% | -0.07% | 51st above |
| ACL / NPLs (Coverage) | 166.56% | 1538.89% | -1372.33% | 43rd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.94% | 7.33% | -2.39% | 42nd below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 516.13% | 1395.68% | -879.55% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.65% | 19.50% | -2.85% | 61st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.65% | 19.54% | -2.89% | 61st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.75% | 20.62% | -2.87% | 61st above |
| Leverage Ratio | 10.53% | 12.14% | -1.61% | 42nd below |
| Equity / Assets | 8.11% | 11.37% | -3.26% | 15th bottom |
| TCE / Tangible Assets | 8.11% | 11.09% | -2.98% | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.96% | 80.64% | -13.68% | 75th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.66% | 86.86% | +1.80% | 47th below |
| Wholesale Funding Ratio | 1.77% | 5.03% | -3.26% | 72nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.63% | 6.85% | -8.48% | 12th bottom |
| Loan Growth (Y/Y) | 2.90% | 7.90% | -5.00% | 36th below |
| Deposit Growth (Y/Y) | -2.44% | 6.29% | -8.73% | 12th bottom |
See Independent Farmers Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Independent Farmers 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 Independent Farmers Bank profile, how to read a UBPR, or how this data updates.