Climate First Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Climate First Bank of Saint Petersburg, FL against its peer group of 941 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 | 1.20% | 1.34% | -0.14% | 43rd below |
| ROAE | 12.83% | 12.40% | +0.43% | 51st above |
| Net Interest Margin | 3.91% | 3.83% | +0.08% | 63rd above |
| Efficiency Ratio | 51.33% | 57.84% | -6.51% | 71st above |
| PPNR / Avg Assets | 2.13% | — | — | 74th above |
| Yield on Earning Assets | 7.22% | 5.71% | +1.51% | 96th top |
| Cost of Funds | 3.63% | 2.02% | +1.61% | 2nd bottom |
| Net Interest Spread | 3.33% | — | — | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 1.00% | -0.88% | 87th top |
| NPA / Total Assets | 0.11% | — | — | 86th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.20% | 0.43% | -0.23% | 19th bottom |
| ACL / Total Loans | 1.04% | — | — | 35th below |
| ACL / NPLs (Coverage) | 851.39% | — | — | 89th top |
| Texas Ratio | 1.06% | 5.47% | -4.41% | 82nd top |
| Provision / NCO | 373.26% | — | — | 71st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.83% | 14.99% | -5.16% | 0th bottom |
| Tier 1 Ratio | 9.83% | 15.02% | -5.19% | 0th bottom |
| Total Capital Ratio | 10.87% | — | — | 0th bottom |
| Leverage Ratio | 9.66% | 11.11% | -1.45% | 27th below |
| Equity / Assets | 9.18% | 11.02% | -1.84% | 25th below |
| TCE / Tangible Assets | 9.09% | — | — | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 108.36% | 86.99% | +21.37% | 6th bottom |
| Core Deposit Ratio | 82.27% | 85.57% | -3.30% | 26th below |
| Uninsured Deposit Ratio | 26.38% | 33.19% | -6.81% | 67th above |
| Wholesale Funding Ratio | 10.51% | — | — | 13th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 64.60% | — | — | 99th top |
| Loan Growth (Y/Y) | 64.15% | — | — | 99th top |
| Deposit Growth (Y/Y) | 53.81% | — | — | 98th top |
See Climate First Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Climate First 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 Climate First Bank 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 Climate First Bank peer analysis.