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 Erick, OK 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 | 2.91% | 1.25% | +1.66% | 97th top |
| ROAE | 20.55% | 12.22% | +8.33% | 88th top |
| Net Interest Margin | 5.30% | 3.95% | +1.35% | 96th top |
| Efficiency Ratio | 46.72% | 63.71% | -16.99% | 87th top |
| PPNR / Avg Assets | 2.91% | — | — | 95th top |
| Yield on Earning Assets | 6.59% | 5.67% | +0.92% | 89th top |
| Cost of Funds | 1.44% | 1.87% | -0.43% | 72nd above |
| Net Interest Spread | 4.29% | — | — | 91st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.27% | 0.88% | -0.61% | 59th above |
| NPA / Total Assets | 0.15% | — | — | 65th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 33rd below |
| ACL / Total Loans | 2.28% | — | — | 96th top |
| ACL / NPLs (Coverage) | 846.63% | — | — | 79th top |
| Texas Ratio | 0.99% | 5.96% | -4.97% | 68th above |
| Provision / NCO | 0.00% | — | — | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 23.44% | 17.18% | +6.26% | 85th top |
| Tier 1 Ratio | 23.44% | 17.21% | +6.23% | 85th top |
| Total Capital Ratio | 24.70% | — | — | 86th top |
| Leverage Ratio | 14.16% | 11.75% | +2.41% | 82nd top |
| Equity / Assets | 14.18% | 10.98% | +3.20% | 85th top |
| TCE / Tangible Assets | 14.00% | — | — | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.11% | 80.44% | -14.33% | 76th top |
| Core Deposit Ratio | 94.03% | 86.95% | +7.08% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.02% | — | — | 39th below |
| Loan Growth (Y/Y) | 11.03% | — | — | 76th top |
| Deposit Growth (Y/Y) | 2.27% | — | — | 37th 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. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Bank peer analysis.