First Bank of Thomas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Bank of Thomas of Thomas, OK 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. | 1.13% | 3.14% | -2.01% | 55th above |
| ROAE Behind the peer average, ahead of the median peer. | 9.65% | 10.42% | -0.77% | 56th above |
| Net Interest Margin | 3.03% | 3.93% | -0.90% | 14th bottom |
| Efficiency Ratio | 65.40% | 76.32% | -10.92% | 60th above |
| PPNR / Avg Assets | 1.13% | 1.40% | -0.27% | 45th below |
| Yield on Earning Assets | 4.97% | 5.35% | -0.38% | 40th below |
| Cost of Funds | 2.19% | 1.70% | +0.49% | 21st bottom |
| Net Interest Spread | 2.20% | 3.31% | -1.11% | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.29% | 1.34% | +0.95% | 15th bottom |
| NPA / Total Assets | 1.01% | 0.71% | +0.30% | 20th bottom |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.90% | 1.49% | +0.41% | 80th top |
| ACL / NPLs (Coverage) | 82.97% | 866.17% | -783.20% | 35th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 8.00% | 8.25% | -0.25% | 25th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 28.64% | 61.98% | -33.34% | 65th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 28.64% | 61.99% | -33.35% | 65th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 29.90% | 62.95% | -33.05% | 65th above |
| Leverage Ratio | 12.63% | 17.61% | -4.98% | 46th below |
| Equity / Assets | 11.82% | 16.43% | -4.61% | 44th below |
| TCE / Tangible Assets | 11.82% | 16.18% | -4.36% | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 50.28% | 72.87% | -22.59% | 71st above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 89.06% | 88.21% | +0.85% | 36th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 15.51% | 4.28% | +11.23% | 93rd top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.57% | 6.72% | -0.15% | 67th above |
| Deposit Growth (Y/Y) | 17.73% | 3.75% | +13.98% | 95th top |
See First Bank of Thomas'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 Thomas, 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 Thomas profile, how to read a UBPR, or how this data updates.