First Bank and Trust of Fullerton: 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 of Fullerton of Fullerton, NE against its peer group of 2672 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 | 1.22% | 1.34% | -0.12% | 47th below |
| ROAE | 9.28% | 13.31% | -4.03% | 32nd below |
| Net Interest Margin | 3.38% | 3.93% | -0.55% | 23rd bottom |
| Efficiency Ratio | 59.53% | 61.14% | -1.61% | 56th above |
| PPNR / Avg Assets | 1.33% | 1.68% | -0.35% | 35th below |
| Yield on Earning Assets | 5.19% | 5.67% | -0.48% | 31st below |
| Cost of Funds | 1.98% | 1.88% | +0.10% | 38th below |
| Net Interest Spread | 2.90% | 3.32% | -0.42% | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 86th top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 87th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.38% | 1.28% | +0.10% | 70th above |
| ACL / NPLs (Coverage) | 47850.00% | 1533.36% | +46316.64% | — |
| Texas Ratio | 0.01% | 7.33% | -7.32% | 90th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.20% | 12.14% | +2.06% | 82nd top |
| Equity / Assets | 13.45% | 11.37% | +2.08% | 81st top |
| TCE / Tangible Assets | 13.45% | 11.09% | +2.36% | 83rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.81% | 80.64% | +2.17% | 45th below |
| Core Deposit Ratio | 89.95% | 86.86% | +3.09% | 54th above |
| Wholesale Funding Ratio | 8.16% | 5.03% | +3.13% | 20th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.85% | 6.85% | -5.00% | 32nd below |
| Loan Growth (Y/Y) | 0.90% | 7.90% | -7.00% | 26th below |
| Deposit Growth (Y/Y) | 1.17% | 6.29% | -5.12% | 30th below |
See First Bank and Trust of Fullerton's peers by name
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Unlock First Bank and Trust of Fullerton, 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 of Fullerton profile, how to read a UBPR, or how this data updates.