Mechanics & Farmers Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Mechanics & Farmers Bank of Durham, NC 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 | 0.70% | 1.35% | -0.65% | 19th bottom |
| ROAE | 5.01% | 13.33% | -8.32% | 14th bottom |
| Net Interest Margin | 4.11% | 3.93% | +0.18% | 59th above |
| Efficiency Ratio | 73.57% | 61.13% | +12.44% | 22nd bottom |
| PPNR / Avg Assets | 1.16% | 1.68% | -0.52% | 27th below |
| Yield on Earning Assets | 5.15% | 5.67% | -0.52% | 29th below |
| Cost of Funds | 1.18% | 1.88% | -0.70% | 86th top |
| Net Interest Spread | 3.63% | 3.32% | +0.31% | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.92% | 0.94% | +1.98% | 7th bottom |
| NPA / Total Assets | 1.70% | 0.70% | +1.00% | 10th bottom |
| NCO / Avg Loans | 0.36% | 0.16% | +0.20% | 8th bottom |
| ACL / Total Loans | 1.43% | 1.28% | +0.15% | 74th above |
| ACL / NPLs (Coverage) | 48.86% | 1546.88% | -1498.02% | 10th bottom |
| Texas Ratio | 11.50% | 7.33% | +4.17% | 18th bottom |
| Provision / NCO | 43.59% | 1395.81% | -1352.22% | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 24.72% | 19.48% | +5.24% | 88th top |
| Tier 1 Ratio | 24.72% | 19.51% | +5.21% | 88th top |
| Total Capital Ratio | 25.97% | 20.60% | +5.37% | 88th top |
| Leverage Ratio | 15.10% | 12.14% | +2.96% | 87th top |
| Equity / Assets | 14.24% | 11.36% | +2.88% | 85th top |
| TCE / Tangible Assets | 14.23% | 11.08% | +3.15% | 86th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.73% | 80.67% | -11.94% | 73rd above |
| Core Deposit Ratio | 84.61% | 86.85% | -2.24% | 29th below |
| Wholesale Funding Ratio | 0.00% | 5.04% | -5.04% | 100th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.50% | 6.85% | -10.35% | 7th bottom |
| Loan Growth (Y/Y) | -2.35% | 7.92% | -10.27% | 14th bottom |
| Deposit Growth (Y/Y) | -4.52% | 6.29% | -10.81% | 7th bottom |
See Mechanics & Farmers Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Mechanics & 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 Mechanics & Farmers Bank profile, how to read a UBPR, or how this data updates.