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 McComb, MS 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 | 1.66% | 1.25% | +0.41% | 71st above |
| ROAE Behind the peer average, ahead of the median peer. | 12.75% | 13.17% | -0.42% | 51st above |
| Net Interest Margin | 3.96% | 3.95% | +0.01% | 51st above |
| Efficiency Ratio | 61.85% | 61.50% | +0.35% | 48th below |
| PPNR / Avg Assets | 1.76% | — | — | 60th above |
| Yield on Earning Assets | 5.34% | 5.67% | -0.33% | 37th below |
| Cost of Funds | 1.52% | 1.87% | -0.35% | 68th above |
| Net Interest Spread | 3.31% | — | — | 48th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.10% | 0.93% | +0.17% | 26th below |
| NPA / Total Assets | 0.99% | — | — | 21st bottom |
| NCO / Avg Loans | -0.09% | 0.15% | -0.24% | 97th top |
| ACL / Total Loans | 1.34% | — | — | 67th above |
| ACL / NPLs (Coverage) | 121.47% | — | — | 34th below |
| Texas Ratio | 7.11% | 6.06% | +1.05% | 26th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.96% | 11.75% | +1.21% | 74th above |
| Equity / Assets | 13.07% | 10.98% | +2.09% | 79th top |
| TCE / Tangible Assets | 13.07% | — | — | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.84% | 80.44% | -0.60% | 52nd above |
| Core Deposit Ratio | 95.78% | 86.95% | +8.83% | 88th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.51% | — | — | 35th below |
| Loan Growth (Y/Y) | 8.17% | — | — | 65th above |
| Deposit Growth (Y/Y) | 2.35% | — | — | 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.