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 Burkburnett, TX 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 | 2.04% | 1.25% | +0.79% | 86th top |
| ROAE | 14.80% | 12.22% | +2.58% | 64th above |
| Net Interest Margin | 4.95% | 3.95% | +1.00% | 91st top |
| Efficiency Ratio | 67.29% | 63.71% | +3.58% | 33rd below |
| PPNR / Avg Assets | 2.09% | — | — | 75th top |
| Yield on Earning Assets | 6.43% | 5.67% | +0.76% | 85th top |
| Cost of Funds | 1.36% | 1.87% | -0.51% | 77th top |
| Net Interest Spread | 4.08% | — | — | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.80% | 0.88% | -0.08% | 34th below |
| NPA / Total Assets | 0.91% | — | — | 22nd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.15% | -0.10% | 25th below |
| ACL / Total Loans | 2.03% | — | — | 94th top |
| ACL / NPLs (Coverage) | 253.79% | — | — | 54th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.94% | 5.96% | -0.02% | 31st below |
| Provision / NCO | 128.21% | — | — | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.40% | 17.18% | -3.78% | 33rd below |
| Tier 1 Ratio | 13.40% | 17.21% | -3.81% | 32nd below |
| Total Capital Ratio | 14.66% | — | — | 34th below |
| Leverage Ratio | 13.87% | 11.75% | +2.12% | 81st top |
| Equity / Assets | 13.72% | 10.98% | +2.74% | 82nd top |
| TCE / Tangible Assets | 13.72% | — | — | 84th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.46% | 80.44% | +16.02% | 16th bottom |
| Core Deposit Ratio | 91.30% | 86.95% | +4.35% | 63rd above |
| Wholesale Funding Ratio | 0.00% | — | — | 100th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.86% | — | — | 45th below |
| Loan Growth (Y/Y) | -1.81% | — | — | 15th bottom |
| Deposit Growth (Y/Y) | 7.46% | — | — | 73rd above |
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. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Bank peer analysis.