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 Strasburg, VA against its peer group of 941 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 | 1.19% | 1.34% | -0.15% | 42nd below |
| ROAE | 12.78% | 12.34% | +0.44% | 51st above |
| Net Interest Margin | 4.16% | 3.83% | +0.33% | 77th top |
| Efficiency Ratio | 64.67% | 58.97% | +5.70% | 31st below |
| PPNR / Avg Assets | 1.56% | — | — | 38th below |
| Yield on Earning Assets | 5.27% | 5.71% | -0.44% | 33rd below |
| Cost of Funds | 1.06% | 2.02% | -0.96% | 93rd top |
| Net Interest Spread | 3.65% | — | — | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.32% | 0.87% | -0.55% | 66th above |
| NPA / Total Assets | 0.23% | — | — | 69th above |
| NCO / Avg Loans | 0.03% | 0.43% | -0.40% | 50th above |
| ACL / Total Loans | 1.00% | — | — | 31st below |
| ACL / NPLs (Coverage) | 315.45% | — | — | 66th above |
| Texas Ratio | 2.43% | 5.48% | -3.05% | 63rd above |
| Provision / NCO | 406.67% | — | — | 70th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.87% | 14.99% | -2.12% | 40th below |
| Tier 1 Ratio | 12.87% | 15.02% | -2.15% | 39th below |
| Total Capital Ratio | 13.91% | — | — | 38th below |
| Leverage Ratio | 9.44% | 11.11% | -1.67% | 21st bottom |
| Equity / Assets | 9.43% | 11.02% | -1.59% | 31st below |
| TCE / Tangible Assets | 8.75% | — | — | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.61% | 86.99% | -6.38% | 68th above |
| Core Deposit Ratio | 95.72% | 85.57% | +10.15% | 89th top |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 31.10% | 33.19% | -2.09% | 49th below |
| Wholesale Funding Ratio | 1.21% | — | — | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.59% | — | — | 24th bottom |
| Loan Growth (Y/Y) | 3.05% | — | — | 33rd below |
| Deposit Growth (Y/Y) | 0.51% | — | — | 20th bottom |
See First Bank's peers by name
The 941 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.