United Farmers State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Farmers State Bank of Adams, MN 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 | 1.98% | 1.34% | +0.64% | 85th top |
| ROAE | 20.76% | 13.31% | +7.45% | 89th top |
| Net Interest Margin | 3.88% | 3.93% | -0.05% | 47th below |
| Efficiency Ratio | 45.76% | 61.14% | -15.38% | 89th top |
| PPNR / Avg Assets | 2.13% | 1.68% | +0.45% | 77th top |
| Yield on Earning Assets | 5.93% | 5.67% | +0.26% | 65th above |
| Cost of Funds | 2.21% | 1.88% | +0.33% | 25th below |
| Net Interest Spread | 3.24% | 3.32% | -0.08% | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.14% | 0.94% | -0.80% | 69th above |
| NPA / Total Assets | 0.23% | 0.70% | -0.47% | 58th above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 81st top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.20% | 1.28% | -0.08% | 51st above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 887.46% | 1538.83% | -651.37% | 81st top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.67% | 7.33% | -3.66% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.33% | 12.14% | -1.81% | 39th below |
| Equity / Assets | 9.77% | 11.37% | -1.60% | 40th below |
| TCE / Tangible Assets | 9.77% | 11.09% | -1.32% | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 113.34% | 80.63% | +32.71% | 2nd bottom |
| Core Deposit Ratio | 82.55% | 86.86% | -4.31% | 22nd bottom |
| Wholesale Funding Ratio | 12.22% | 5.03% | +7.19% | 9th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.94% | 6.85% | -2.91% | 46th below |
| Loan Growth (Y/Y) | 3.12% | 7.90% | -4.78% | 37th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.04% | 6.29% | -0.25% | 64th above |
See United Farmers State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Farmers State 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 United Farmers State Bank profile, how to read a UBPR, or how this data updates.