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 Artesia, NM 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 | 2.76% | 1.43% | +1.33% | 97th top |
| ROAE | 28.15% | 12.49% | +15.66% | 97th top |
| Net Interest Margin | 4.82% | 3.84% | +0.98% | 93rd top |
| Efficiency Ratio | 41.60% | 58.89% | -17.29% | 91st top |
| PPNR / Avg Assets | 2.96% | 1.78% | +1.18% | 95th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.58% | 5.71% | -0.13% | 53rd above |
| Cost of Funds | 0.69% | 2.03% | -1.34% | 98th top |
| Net Interest Spread | 4.24% | 3.18% | +1.06% | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.53% | 0.96% | -0.43% | 56th above |
| NPA / Total Assets | 0.33% | 0.75% | -0.42% | 62nd above |
| NCO / Avg Loans | 0.01% | 0.31% | -0.30% | 67th above |
| ACL / Total Loans | 1.91% | 1.25% | +0.66% | 95th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 362.43% | 699.21% | -336.78% | 75th top |
| Texas Ratio | 3.26% | 7.17% | -3.91% | 63rd above |
| Provision / NCO | 7223.08% | 805.95% | +6417.13% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 17.94% | 17.41% | +0.53% | 86th top |
| Tier 1 Ratio | 17.94% | 17.44% | +0.50% | 86th top |
| Total Capital Ratio | 19.19% | 18.50% | +0.69% | 87th top |
| Leverage Ratio | 11.79% | 11.60% | +0.19% | 74th above |
| Equity / Assets | 9.98% | 11.33% | -1.35% | 43rd below |
| TCE / Tangible Assets | 9.16% | 10.65% | -1.49% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.67% | 86.37% | -14.70% | 84th top |
| Core Deposit Ratio | 92.18% | 85.55% | +6.63% | 70th above |
| Uninsured Deposit Ratio | 38.76% | 32.70% | +6.06% | 31st below |
| Wholesale Funding Ratio | 3.48% | 5.45% | -1.97% | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.28% | 10.46% | -8.18% | 31st below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.35% | 7.99% | -1.64% | 54th above |
| Deposit Growth (Y/Y) | 1.08% | 7.99% | -6.91% | 24th bottom |
See First American Bank's peers by name
The 931 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.