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 Creve Coeur, MO 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 | 0.68% | 1.34% | -0.66% | 13th bottom |
| ROAE | 8.28% | 12.40% | -4.12% | 20th bottom |
| Net Interest Margin | 3.07% | 3.83% | -0.76% | 16th bottom |
| Efficiency Ratio | 73.86% | 57.84% | +16.02% | 13th bottom |
| PPNR / Avg Assets | 0.97% | — | — | 12th bottom |
| Yield on Earning Assets | 4.85% | 5.71% | -0.86% | 15th bottom |
| Cost of Funds | 1.57% | 2.02% | -0.45% | 77th top |
| Net Interest Spread | 2.38% | — | — | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.23% | 1.00% | -0.77% | 79th top |
| NPA / Total Assets | 0.19% | — | — | 78th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.17% | 0.43% | -0.26% | 20th bottom |
| ACL / Total Loans | 1.02% | — | — | 33rd below |
| ACL / NPLs (Coverage) | 435.81% | — | — | 79th top |
| Texas Ratio | 2.31% | 5.47% | -3.16% | 65th above |
| Provision / NCO | 154.70% | — | — | 47th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.06% | 14.99% | -1.93% | 42nd below |
| Tier 1 Ratio | 13.06% | 15.02% | -1.96% | 42nd below |
| Total Capital Ratio | 13.98% | — | — | 39th below |
| Leverage Ratio | 9.67% | 11.11% | -1.44% | 27th below |
| Equity / Assets | 8.43% | 11.02% | -2.59% | 12th bottom |
| TCE / Tangible Assets | 8.43% | — | — | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.02% | 86.99% | -13.97% | 81st top |
| Core Deposit Ratio | 91.64% | 85.57% | +6.07% | 66th above |
| Uninsured Deposit Ratio | 29.61% | 33.19% | -3.58% | 55th above |
| Wholesale Funding Ratio | 2.63% | — | — | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.84% | — | — | 25th below |
| Loan Growth (Y/Y) | 7.83% | — | — | 62nd above |
| Deposit Growth (Y/Y) | -1.12% | — | — | 12th bottom |
See First Bank's peers by name
The 941 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. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Bank peer analysis.