First Bank of Boaz: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Bank of Boaz of Boaz, AL 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 | 0.87% | 1.34% | -0.47% | 26th below |
| ROAE | 7.96% | 13.32% | -5.36% | 25th below |
| Net Interest Margin | 2.49% | 3.93% | -1.44% | 3rd bottom |
| Efficiency Ratio | 58.15% | 61.14% | -2.99% | 60th above |
| PPNR / Avg Assets | 1.01% | 1.68% | -0.67% | 21st bottom |
| Yield on Earning Assets | 3.98% | 5.67% | -1.69% | 2nd bottom |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.85% | 1.88% | -0.03% | 47th below |
| Net Interest Spread | 1.46% | 3.32% | -1.86% | 1st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.94% | -0.89% | 79th top |
| NPA / Total Assets | 0.01% | 0.70% | -0.69% | 84th top |
| NCO / Avg Loans | -0.03% | 0.16% | -0.19% | 93rd top |
| ACL / Total Loans | 1.47% | 1.28% | +0.19% | 76th top |
| ACL / NPLs (Coverage) | 3032.35% | 1538.29% | +1494.06% | — |
| Texas Ratio | 0.11% | 7.33% | -7.22% | 87th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 19.66% | 12.14% | +7.52% | 96th top |
| Equity / Assets | 12.07% | 11.37% | +0.70% | 71st above |
| TCE / Tangible Assets | 12.07% | 11.09% | +0.98% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 33.72% | 80.65% | -46.93% | 97th top |
| Core Deposit Ratio | 83.72% | 86.86% | -3.14% | 26th below |
| Wholesale Funding Ratio | 0.83% | 5.03% | -4.20% | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.62% | 6.85% | -7.47% | 16th bottom |
| Loan Growth (Y/Y) | 8.07% | 7.90% | +0.17% | 65th above |
| Deposit Growth (Y/Y) | 1.15% | 6.29% | -5.14% | 30th below |
See First Bank of Boaz's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Bank of Boaz, 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 of Boaz profile, how to read a UBPR, or how this data updates.