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 Clinton, OK 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 | 2.11% | 0.80% | +1.31% | 90th top |
| ROAE | 14.40% | 4.56% | +9.84% | 87th top |
| Net Interest Margin | 4.29% | 3.96% | +0.33% | 66th above |
| Efficiency Ratio | 51.55% | 76.29% | -24.74% | 80th top |
| PPNR / Avg Assets | 2.11% | — | — | 77th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.12% | 5.45% | -0.33% | 50th above |
| Cost of Funds | 0.97% | 1.72% | -0.75% | 74th above |
| Net Interest Spread | 3.71% | — | — | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.41% | -1.41% | 79th top |
| NPA / Total Assets | 0.00% | — | — | 81st top |
| NCO / Avg Loans | -0.02% | 0.10% | -0.12% | 84th top |
| ACL / Total Loans | 1.23% | — | — | 43rd below |
| Texas Ratio | 0.14% | 8.94% | -8.80% | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.21% | 14.22% | +2.99% | 82nd top |
| Equity / Assets | 14.59% | 13.16% | +1.43% | 74th above |
| TCE / Tangible Assets | 14.59% | — | — | 77th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 45.54% | 69.24% | -23.70% | 79th top |
| Core Deposit Ratio | 80.40% | 88.77% | -8.37% | 8th bottom |
| Wholesale Funding Ratio | 4.64% | — | — | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.81% | — | — | 49th below |
| Loan Growth (Y/Y) | 5.73% | — | — | 77th top |
| Deposit Growth (Y/Y) | 0.80% | — | — | 43rd below |
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.