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 Sterling, KS 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 | 1.09% | 1.25% | -0.16% | 37th below |
| ROAE | 9.45% | 12.22% | -2.77% | 32nd below |
| Net Interest Margin | 3.95% | 3.95% | +0.00% | 50th above |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 61.59% | 63.71% | -2.12% | 48th below |
| PPNR / Avg Assets | 1.53% | — | — | 45th below |
| Yield on Earning Assets | 5.75% | 5.67% | +0.08% | 57th above |
| Cost of Funds | 1.99% | 1.87% | +0.12% | 37th below |
| Net Interest Spread | 3.14% | — | — | 40th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 7.82% | 0.88% | +6.94% | 1st bottom |
| NPA / Total Assets | 5.57% | — | — | 1st bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 39th below |
| ACL / Total Loans | 2.87% | — | — | 98th top |
| ACL / NPLs (Coverage) | 36.71% | — | — | 5th bottom |
| Texas Ratio | 40.89% | 5.96% | +34.93% | 1st bottom |
| Provision / NCO | 4000.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.41% | 11.75% | +0.66% | 69th above |
| Equity / Assets | 11.57% | 10.98% | +0.59% | 66th above |
| TCE / Tangible Assets | 11.57% | — | — | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.99% | 80.44% | +12.55% | 23rd bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.52% | 86.95% | +1.57% | 47th below |
| Wholesale Funding Ratio | 11.59% | — | — | 10th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.37% | — | — | 41st below |
| Loan Growth (Y/Y) | 15.86% | — | — | 87th top |
| Deposit Growth (Y/Y) | 2.80% | — | — | 41st 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.