First American Bank and Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First American Bank and Trust of Vacherie, LA against its peer group of 927 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 | 1.25% | 1.46% | -0.21% | 47th below |
| ROAE | 10.91% | 12.69% | -1.78% | 40th below |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.84% | 3.85% | -0.01% | 59th above |
| Efficiency Ratio | 62.75% | 57.40% | +5.35% | 37th below |
| PPNR / Avg Assets | 1.55% | 1.88% | -0.33% | 39th below |
| Yield on Earning Assets | 4.73% | 5.72% | -0.99% | 12th bottom |
| Cost of Funds | 1.01% | 2.02% | -1.01% | 94th top |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.09% | 3.18% | -0.09% | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.29% | 1.00% | +0.29% | 24th bottom |
| NPA / Total Assets | 0.79% | 0.76% | +0.03% | 32nd below |
| NCO / Avg Loans | 0.64% | 0.43% | +0.21% | 7th bottom |
| ACL / Total Loans | 1.45% | 1.31% | +0.14% | 83rd top |
| ACL / NPLs (Coverage) | 112.76% | 564.61% | -451.85% | 35th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.29% | 7.39% | -1.10% | 39th below |
| Provision / NCO | -1.55% | 618.94% | -620.49% | 8th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 24.75% | 17.33% | +7.42% | 95th top |
| Tier 1 Ratio | 24.75% | 17.36% | +7.39% | 95th top |
| Total Capital Ratio | 26.00% | 18.41% | +7.59% | 95th top |
| Leverage Ratio | 13.81% | 11.44% | +2.37% | 89th top |
| Equity / Assets | 11.73% | 11.33% | +0.40% | 72nd above |
| TCE / Tangible Assets | 11.73% | 10.50% | +1.23% | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.56% | 86.96% | -16.40% | 85th top |
| Core Deposit Ratio | 93.20% | 85.55% | +7.65% | 75th top |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 32.09% | 33.13% | -1.04% | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.04% | 9.68% | -6.64% | 35th below |
| Loan Growth (Y/Y) | 0.89% | 8.06% | -7.17% | 21st bottom |
| Deposit Growth (Y/Y) | 2.04% | 7.88% | -5.84% | 30th below |
See First American Bank and Trust's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First American Bank and Trust, 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 and Trust profile, how to read a UBPR, or how this data updates.