First Bank of Pike: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Bank of Pike of Zebulon, GA against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 1.30% | 3.14% | -1.84% | 63rd above |
| ROAE | 13.85% | 10.41% | +3.44% | 77th top |
| Net Interest Margin | 5.58% | 3.93% | +1.65% | 96th top |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 73.28% | 76.31% | -3.03% | 44th below |
| PPNR / Avg Assets | 1.75% | 1.40% | +0.35% | 71st above |
| Yield on Earning Assets | 6.68% | 5.35% | +1.33% | 91st top |
| Cost of Funds | 1.18% | 1.71% | -0.53% | 70th above |
| Net Interest Spread | 4.94% | 3.31% | +1.63% | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.79% | 1.34% | -0.55% | 35th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.49% | 0.71% | -0.22% | 32nd below |
| NCO / Avg Loans | 0.20% | 0.10% | +0.10% | 10th bottom |
| ACL / Total Loans | 1.62% | 1.49% | +0.13% | 74th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 206.74% | 866.51% | -659.77% | 59th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.60% | 8.26% | -3.66% | 36th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 150.00% | 315.35% | -165.35% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 16.57% | 62.09% | -45.52% | 31st below |
| Tier 1 Ratio | 17.09% | 62.10% | -45.01% | 33rd below |
| Total Capital Ratio | 18.35% | 63.06% | -44.71% | 34th below |
| Leverage Ratio | 9.91% | 17.62% | -7.71% | 17th bottom |
| Equity / Assets | 9.66% | 16.44% | -6.78% | 23rd bottom |
| TCE / Tangible Assets | 9.36% | 16.19% | -6.83% | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Ahead of the peer average, behind the median peer. | 70.35% | 72.83% | -2.48% | 45th below |
| Core Deposit Ratio | 92.37% | 88.20% | +4.17% | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.62% | 4.30% | +0.32% | 62nd above |
| Loan Growth (Y/Y) | 2.37% | 6.73% | -4.36% | 49th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.74% | 3.77% | -0.03% | 58th above |
See First Bank of Pike's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Bank of Pike, 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 Pike profile, how to read a UBPR, or how this data updates.