First Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Bank of Clewiston, FL against its peer group of 2757 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 | 1.50% | 1.25% | +0.25% | 62nd above |
| ROAE | 16.07% | 13.17% | +2.90% | 71st above |
| Net Interest Margin | 4.33% | 3.95% | +0.38% | 72nd above |
| Efficiency Ratio | 55.80% | 61.50% | -5.70% | 66th above |
| PPNR / Avg Assets | 2.04% | — | — | 73rd above |
| Yield on Earning Assets | 5.39% | 5.67% | -0.28% | 39th below |
| Cost of Funds | 1.12% | 1.87% | -0.75% | 87th top |
| Net Interest Spread | 3.71% | — | — | 71st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.31% | 0.93% | -0.62% | 57th above |
| NPA / Total Assets | 0.19% | — | — | 61st above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 76th top |
| ACL / Total Loans | 1.74% | — | — | 89th top |
| ACL / NPLs (Coverage) | 565.89% | — | — | 73rd above |
| Texas Ratio | 1.79% | 7.34% | -5.55% | 65th above |
| Provision / NCO | 4687.50% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.82% | 17.18% | -2.36% | 47th below |
| Tier 1 Ratio | 14.82% | 17.21% | -2.39% | 47th below |
| Total Capital Ratio | 16.07% | — | — | 48th below |
| Leverage Ratio | 9.70% | 11.75% | -2.05% | 25th below |
| Equity / Assets | 9.56% | 10.98% | -1.42% | 36th below |
| TCE / Tangible Assets | 9.56% | — | — | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.03% | 80.44% | -11.41% | 72nd above |
| Core Deposit Ratio | 98.67% | 86.95% | +11.72% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.33% | — | — | 27th below |
| Loan Growth (Y/Y) | 5.54% | — | — | 50th above |
| Deposit Growth (Y/Y) | 0.45% | — | — | 25th below |
See First Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock 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 First Bank profile, how to read a UBPR, or how this data updates.