1st Trust Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks 1st Trust Bank, Inc. of Hazard, KY 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 | 0.88% | 1.34% | -0.46% | 27th below |
| ROAE | 9.79% | 13.32% | -3.53% | 34th below |
| Net Interest Margin | 3.60% | 3.93% | -0.33% | 32nd below |
| Efficiency Ratio | 64.29% | 61.14% | +3.15% | 41st below |
| PPNR / Avg Assets | 1.33% | 1.68% | -0.35% | 35th below |
| Yield on Earning Assets | 6.01% | 5.67% | +0.34% | 69th above |
| Cost of Funds | 2.59% | 1.88% | +0.71% | 13th bottom |
| Net Interest Spread | 3.13% | 3.32% | -0.19% | 40th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.45% | 0.94% | -0.49% | 47th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.39% | 0.70% | -0.31% | 44th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 38th below |
| ACL / Total Loans | 0.69% | 1.28% | -0.59% | 7th bottom |
| ACL / NPLs (Coverage) | 152.99% | 1539.19% | -1386.20% | 40th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.58% | 7.33% | -1.75% | 37th below |
| Provision / NCO | 2272.73% | 1395.03% | +877.70% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.65% | 12.14% | -2.49% | 24th bottom |
| Equity / Assets | 8.75% | 11.38% | -2.63% | 23rd bottom |
| TCE / Tangible Assets | 8.75% | 11.09% | -2.34% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.20% | 80.63% | +15.57% | 16th bottom |
| Core Deposit Ratio | 63.22% | 86.87% | -23.65% | 2nd bottom |
| Wholesale Funding Ratio | 3.13% | 5.03% | -1.90% | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.14% | 6.85% | +1.29% | 76th top |
| Loan Growth (Y/Y) | 15.65% | 7.90% | +7.75% | 87th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.06% | 6.29% | -2.23% | 50th above |
See 1st Trust Bank, Inc.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock 1st Trust Bank, Inc., 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 Trust Bank, Inc. profile, how to read a UBPR, or how this data updates.