1st Advantage Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks 1st Advantage Bank of Saint Peters, MO 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 | 1.09% | 1.34% | -0.25% | 38th below |
| ROAE | 11.16% | 13.32% | -2.16% | 43rd below |
| Net Interest Margin | 3.87% | 3.93% | -0.06% | 47th below |
| Efficiency Ratio | 64.91% | 61.13% | +3.78% | 39th below |
| PPNR / Avg Assets | 1.39% | 1.68% | -0.29% | 38th below |
| Yield on Earning Assets | 5.90% | 5.67% | +0.23% | 64th above |
| Cost of Funds | 2.18% | 1.88% | +0.30% | 27th below |
| Net Interest Spread | 2.98% | 3.32% | -0.34% | 32nd 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 | 0.11% | 0.70% | -0.59% | 69th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.25% | 1.28% | -0.03% | 56th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 915.11% | 1546.26% | -631.15% | 81st top |
| Texas Ratio | 1.02% | 7.34% | -6.32% | 72nd above |
| Provision / NCO | -89.33% | 1395.33% | -1484.66% | 4th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.88% | 12.14% | -2.26% | 29th below |
| Equity / Assets | 9.46% | 11.37% | -1.91% | 35th below |
| TCE / Tangible Assets | 9.46% | 11.08% | -1.62% | 39th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.02% | 80.66% | +5.36% | 38th below |
| Core Deposit Ratio | 83.61% | 86.85% | -3.24% | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.46% | 6.84% | -1.38% | 58th above |
| Loan Growth (Y/Y) | -6.42% | 7.92% | -14.34% | 5th bottom |
| Deposit Growth (Y/Y) | 11.67% | 6.29% | +5.38% | 87th top |
See 1st Advantage Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock 1st Advantage 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 1st Advantage Bank profile, how to read a UBPR, or how this data updates.