1st State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks 1st State Bank of Saginaw, MI 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 Behind the peer average, ahead of the median peer. | 1.33% | 1.34% | -0.01% | 54th above |
| ROAE | 11.19% | 13.32% | -2.13% | 43rd below |
| Net Interest Margin | 4.22% | 3.93% | +0.29% | 66th above |
| Efficiency Ratio | 61.66% | 61.14% | +0.52% | 49th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.67% | 1.68% | -0.01% | 55th above |
| Yield on Earning Assets | 5.67% | 5.67% | +0.00% | 53rd above |
| Cost of Funds | 1.53% | 1.88% | -0.35% | 67th above |
| Net Interest Spread | 3.08% | 3.32% | -0.24% | 37th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.34% | 0.94% | -0.60% | 54th above |
| NPA / Total Assets | 0.31% | 0.70% | -0.39% | 51st above |
| NCO / Avg Loans | 0.45% | 0.16% | +0.29% | 7th bottom |
| ACL / Total Loans | 1.60% | 1.28% | +0.32% | 84th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 472.24% | 1539.23% | -1066.99% | 70th above |
| Texas Ratio | 2.38% | 7.33% | -4.95% | 59th above |
| Provision / NCO | 2.51% | 1396.49% | -1393.98% | 20th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.97% | 19.51% | -4.54% | 48th below |
| Tier 1 Ratio | 14.97% | 19.54% | -4.57% | 48th below |
| Total Capital Ratio | 16.22% | 20.62% | -4.40% | 49th below |
| Leverage Ratio | 12.27% | 12.14% | +0.13% | 68th above |
| Equity / Assets | 11.98% | 11.37% | +0.61% | 71st above |
| TCE / Tangible Assets | 11.98% | 11.09% | +0.89% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.43% | 80.64% | -5.21% | 61st above |
| Core Deposit Ratio | 98.36% | 86.86% | +11.50% | 97th top |
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. | 4.68% | 6.85% | -2.17% | 52nd above |
| Loan Growth (Y/Y) | 1.17% | 7.91% | -6.74% | 27th below |
| Deposit Growth (Y/Y) | 9.58% | 6.29% | +3.29% | 81st top |
See 1st State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock 1st 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 1st State Bank profile, how to read a UBPR, or how this data updates.