Bank 1st: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank 1st of West Union, IA against its peer group of 2757 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 | 1.42% | 1.25% | +0.17% | 57th above |
| ROAE | 13.44% | 12.22% | +1.22% | 56th above |
| Net Interest Margin | 3.46% | 3.95% | -0.49% | 25th below |
| Efficiency Ratio | 55.90% | 63.71% | -7.81% | 66th above |
| PPNR / Avg Assets | 1.47% | — | — | 42nd below |
| Yield on Earning Assets | 4.66% | 5.67% | -1.01% | 12th bottom |
| Cost of Funds | 1.37% | 1.87% | -0.50% | 77th top |
| Net Interest Spread | 3.08% | — | — | 36th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 87th top |
| NPA / Total Assets | 0.00% | — | — | 88th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.45% | — | — | 75th top |
| ACL / NPLs (Coverage) | 46700.00% | — | — | — |
| Texas Ratio | 0.02% | 5.96% | -5.94% | 88th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.20% | 11.75% | +3.45% | 87th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.43% | 10.98% | -0.55% | 51st above |
| TCE / Tangible Assets | 10.43% | — | — | 55th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.33% | 80.44% | -5.11% | 61st above |
| Core Deposit Ratio | 94.42% | 86.95% | +7.47% | 81st top |
| Wholesale Funding Ratio | 11.50% | — | — | 10th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.74% | — | — | 37th below |
| Loan Growth (Y/Y) | 4.04% | — | — | 42nd below |
| Deposit Growth (Y/Y) | -7.09% | — | — | 4th bottom |
See Bank 1st's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank 1st, 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 Bank 1st profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Bank 1st peer analysis.