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 Southern Pines, NC against its peer group of 136 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 | 1.60% | 1.34% | +0.26% | 74th above |
| ROAE Behind the peer average, ahead of the median peer. | 11.90% | 12.25% | -0.35% | 56th above |
| Net Interest Margin | 3.76% | 3.68% | +0.08% | 60th above |
| Efficiency Ratio | 47.86% | 53.86% | -6.00% | 72nd above |
| PPNR / Avg Assets | 2.04% | — | — | 66th above |
| Yield on Earning Assets | 4.95% | 5.58% | -0.63% | 21st bottom |
| Cost of Funds | 1.30% | 1.99% | -0.69% | 84th top |
| Net Interest Spread | 3.03% | — | — | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.50% | 1.05% | -0.55% | 75th top |
| NPA / Total Assets | 0.35% | — | — | 74th above |
| NCO / Avg Loans | 0.04% | 0.36% | -0.32% | 77th top |
| ACL / Total Loans | 1.39% | — | — | 81st top |
| ACL / NPLs (Coverage) | 277.02% | — | — | 81st top |
| Texas Ratio | 2.55% | 5.43% | -2.88% | 76th top |
| Provision / NCO | 155.05% | — | — | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.69% | 14.50% | +0.19% | 75th top |
| Tier 1 Ratio | 14.69% | 14.60% | +0.09% | 74th above |
| Total Capital Ratio | 15.94% | — | — | 75th top |
| Leverage Ratio | 11.50% | 10.26% | +1.24% | 82nd top |
| Equity / Assets | 13.62% | 11.55% | +2.07% | 81st top |
| TCE / Tangible Assets | 10.22% | — | — | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.08% | 83.97% | -2.89% | 70th above |
| Core Deposit Ratio | 97.08% | 86.78% | +10.30% | 90th top |
| Uninsured Deposit Ratio | 41.00% | 38.93% | +2.07% | 42nd below |
| Wholesale Funding Ratio | 0.01% | — | — | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.41% | — | — | 34th below |
| Loan Growth (Y/Y) | 9.31% | — | — | 64th above |
| Deposit Growth (Y/Y) | 2.30% | — | — | 31st below |
See First Bank's peers by name
The 136 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.