BankFirst Financial Services: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks BankFirst Financial Services of Macon, MS 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 | 1.10% | 1.44% | -0.34% | 37th below |
| ROAE | 8.43% | 12.51% | -4.08% | 22nd bottom |
| Net Interest Margin | 4.05% | 3.84% | +0.21% | 72nd above |
| Efficiency Ratio | 62.37% | 58.87% | +3.50% | 38th below |
| PPNR / Avg Assets | 1.63% | 1.78% | -0.15% | 44th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.65% | 5.71% | -0.06% | 57th above |
| Cost of Funds | 1.69% | 2.03% | -0.34% | 70th above |
| Net Interest Spread | 3.48% | 3.18% | +0.30% | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.73% | 0.96% | -0.23% | 44th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.51% | 0.75% | -0.24% | 49th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.14% | 0.31% | -0.17% | 23rd bottom |
| ACL / Total Loans | 1.31% | 1.25% | +0.06% | 71st above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 180.33% | 699.41% | -519.08% | 51st above |
| Texas Ratio | 4.80% | 7.16% | -2.36% | 51st above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 198.81% | 815.35% | -616.54% | 57th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.86% | 11.60% | -0.74% | 58th above |
| Equity / Assets | 13.30% | 11.33% | +1.97% | 86th top |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.63% | 10.65% | -0.02% | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.34% | 86.36% | -6.02% | 70th above |
| Core Deposit Ratio | 90.42% | 85.55% | +4.87% | 60th above |
| Uninsured Deposit Ratio | 24.27% | 32.72% | -8.45% | 73rd above |
| Wholesale Funding Ratio | 0.00% | 5.46% | -5.46% | 100th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 20.49% | 10.44% | +10.05% | 91st top |
| Loan Growth (Y/Y) | 23.92% | 7.98% | +15.94% | 94th top |
| Deposit Growth (Y/Y) | 18.89% | 7.97% | +10.92% | 90th top |
See BankFirst Financial Services's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock BankFirst Financial Services, 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 BankFirst Financial Services profile, how to read a UBPR, or how this data updates.