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 Waverly, IA against its peer group of 2672 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% | 68th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.57% | 13.31% | -0.74% | 51st above |
| Net Interest Margin | 3.80% | 3.93% | -0.13% | 42nd below |
| Efficiency Ratio | 47.03% | 61.15% | -14.12% | 86th top |
| PPNR / Avg Assets | 2.14% | 1.68% | +0.46% | 78th top |
| Yield on Earning Assets | 5.57% | 5.67% | -0.10% | 49th below |
| Cost of Funds | 1.98% | 1.88% | +0.10% | 38th below |
| Net Interest Spread | 3.16% | 3.32% | -0.16% | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 0.94% | -0.82% | 70th above |
| NPA / Total Assets | 0.13% | 0.70% | -0.57% | 66th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 50th above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.28% | -0.06% | 53rd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 979.86% | 1539.11% | -559.25% | 82nd top |
| Texas Ratio | 3.37% | 7.33% | -3.96% | 51st above |
| Provision / NCO | 4866.67% | 1391.70% | +3474.97% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.38% | 19.50% | -2.12% | 66th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.38% | 19.54% | -2.16% | 65th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.63% | 20.62% | -1.99% | 66th above |
| Leverage Ratio | 12.72% | 12.14% | +0.58% | 72nd above |
| Equity / Assets | 13.05% | 11.37% | +1.68% | 79th top |
| TCE / Tangible Assets | 12.44% | 11.09% | +1.35% | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.15% | 80.63% | +10.52% | 26th below |
| Core Deposit Ratio | 91.82% | 86.86% | +4.96% | 66th above |
| Wholesale Funding Ratio | 2.64% | 5.04% | -2.40% | 60th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.80% | 6.86% | -5.06% | 31st below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.07% | 7.90% | -0.83% | 60th above |
| Deposit Growth (Y/Y) | 3.07% | 6.29% | -3.22% | 43rd below |
See First Bank's peers by name
The 2672 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.