1st Financial Bank USA: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks 1st Financial Bank USA of Dakota Dunes, SD against its peer group of 931 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 | 0.91% | 1.46% | -0.55% | 24th bottom |
| ROAE | 5.59% | 12.72% | -7.13% | 12th bottom |
| Net Interest Margin | 9.23% | 3.85% | +5.38% | 99th top |
| Efficiency Ratio | 73.48% | 57.40% | +16.08% | 15th bottom |
| PPNR / Avg Assets | 3.03% | 1.88% | +1.15% | 95th top |
| Yield on Earning Assets | 12.95% | 5.71% | +7.24% | 99th top |
| Cost of Funds | 4.01% | 2.01% | +2.00% | 0th bottom |
| Net Interest Spread | 8.89% | 3.18% | +5.71% | 99th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.23% | 1.00% | +1.23% | 9th bottom |
| NPA / Total Assets | 1.65% | 0.76% | +0.89% | 10th bottom |
| NCO / Avg Loans | 3.35% | 0.43% | +2.92% | 1st bottom |
| ACL / Total Loans | 1.77% | 1.31% | +0.46% | 93rd top |
| ACL / NPLs (Coverage) | 79.34% | 543.61% | -464.27% | 20th bottom |
| Texas Ratio | 12.81% | 7.39% | +5.42% | 15th bottom |
| Provision / NCO | 102.70% | 618.93% | -516.23% | 34th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.06% | 17.33% | +3.73% | 93rd top |
| Tier 1 Ratio | 21.06% | 17.37% | +3.69% | 93rd top |
| Total Capital Ratio | 22.31% | 18.42% | +3.89% | 93rd top |
| Leverage Ratio | 16.34% | 11.43% | +4.91% | 95th top |
| Equity / Assets | 16.23% | 11.33% | +4.90% | 96th top |
| TCE / Tangible Assets | 16.23% | 10.50% | +5.73% | 96th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.29% | 86.95% | +3.34% | 45th below |
| Core Deposit Ratio | 22.65% | 85.59% | -62.94% | 1st bottom |
| Uninsured Deposit Ratio | 2.05% | 33.14% | -31.09% | 99th top |
| Wholesale Funding Ratio | 3.20% | 5.71% | -2.51% | 55th above |
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. | 7.39% | 9.68% | -2.29% | 65th above |
| Loan Growth (Y/Y) | 2.91% | 8.06% | -5.15% | 34th below |
| Deposit Growth (Y/Y) | 9.88% | 7.87% | +2.01% | 75th top |
See 1st Financial Bank USA's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock 1st Financial Bank USA, 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 Financial Bank USA profile, how to read a UBPR, or how this data updates.