First Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Bank and Trust Company of Minden, NE against its peer group of 506 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 | 1.04% | 3.13% | -2.09% | 49th below |
| ROAE | 10.65% | 10.30% | +0.35% | 61st above |
| Net Interest Margin | 3.44% | 3.94% | -0.50% | 28th below |
| Efficiency Ratio | 68.24% | 76.33% | -8.09% | 53rd above |
| PPNR / Avg Assets | 1.10% | 1.40% | -0.30% | 44th below |
| Yield on Earning Assets | 5.02% | 5.35% | -0.33% | 42nd below |
| Cost of Funds | 1.82% | 1.70% | +0.12% | 36th below |
| Net Interest Spread | 2.94% | 3.32% | -0.38% | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | -0.04% | 0.10% | -0.14% | 89th top |
| ACL / Total Loans | 1.70% | 1.49% | +0.21% | 75th top |
| Texas Ratio | 0.00% | 8.28% | -8.28% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.55% | 62.39% | -41.84% | 47th below |
| Tier 1 Ratio | 20.55% | 62.40% | -41.85% | 47th below |
| Total Capital Ratio | 21.80% | 63.36% | -41.56% | 47th below |
| Leverage Ratio | 10.55% | 17.66% | -7.11% | 24th bottom |
| Equity / Assets | 10.17% | 16.46% | -6.29% | 28th below |
| TCE / Tangible Assets | 10.17% | 16.21% | -6.04% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.47% | 72.85% | -6.38% | 51st above |
| Core Deposit Ratio | 95.31% | 88.26% | +7.05% | 73rd above |
| Wholesale Funding Ratio | 16.53% | 5.10% | +11.43% | 5th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.36% | 4.28% | -8.64% | 14th bottom |
| Loan Growth (Y/Y) | -11.22% | 6.80% | -18.02% | 8th bottom |
| Deposit Growth (Y/Y) | -3.27% | 3.74% | -7.01% | 19th bottom |
See First Bank and Trust Company's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Bank and Trust Company, 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 and Trust Company profile, how to read a UBPR, or how this data updates.