First American Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First American Bank of Stonewall, OK against its peer group of 506 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. | 1.85% | 3.13% | -1.28% | 80th top |
| ROAE | 14.25% | 10.30% | +3.95% | 78th top |
| Net Interest Margin | 5.18% | 3.94% | +1.24% | 90th top |
| Efficiency Ratio | 64.85% | 76.33% | -11.48% | 62nd above |
| PPNR / Avg Assets | 1.85% | 1.40% | +0.45% | 74th above |
| Yield on Earning Assets | 6.26% | 5.35% | +0.91% | 83rd top |
| Cost of Funds | 1.19% | 1.70% | -0.51% | 69th above |
| Net Interest Spread | 4.73% | 3.32% | +1.41% | 92nd 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. | 1.06% | 1.34% | -0.28% | 29th below |
| NPA / Total Assets | 0.73% | 0.71% | +0.02% | 25th below |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 2.10% | 1.49% | +0.61% | 84th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 197.39% | 866.11% | -668.72% | 57th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.89% | 8.27% | -3.38% | 34th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.06% | 17.65% | -4.59% | 49th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 13.52% | 16.45% | -2.93% | 57th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 13.52% | 16.19% | -2.67% | 60th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.38% | 72.83% | +0.55% | 41st below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.41% | 88.28% | +0.13% | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -6.09% | 4.27% | -10.36% | 10th bottom |
| Loan Growth (Y/Y) | -8.14% | 6.77% | -14.91% | 12th bottom |
| Deposit Growth (Y/Y) | -7.47% | 3.73% | -11.20% | 8th bottom |
See First American Bank's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First American 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 First American Bank profile, how to read a UBPR, or how this data updates.