First Bank of Utica: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Bank of Utica of Utica, NE 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 | 0.77% | 3.13% | -2.36% | 37th below |
| ROAE | 5.41% | 10.31% | -4.90% | 34th below |
| Net Interest Margin | 4.41% | 3.94% | +0.47% | 72nd above |
| Efficiency Ratio | 77.11% | 76.31% | +0.80% | 37th below |
| PPNR / Avg Assets | 1.02% | 1.40% | -0.38% | 39th below |
| Yield on Earning Assets | 6.00% | 5.35% | +0.65% | 76th top |
| Cost of Funds | 1.91% | 1.70% | +0.21% | 32nd below |
| Net Interest Spread | 3.81% | 3.32% | +0.49% | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 1.17% | 1.34% | -0.17% | 27th below |
| NPA / Total Assets | 0.90% | 0.71% | +0.19% | 21st bottom |
| NCO / Avg Loans | 0.17% | 0.10% | +0.07% | 11th bottom |
| ACL / Total Loans | 1.81% | 1.49% | +0.32% | 78th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 154.66% | 867.42% | -712.76% | 50th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.73% | 8.27% | -2.54% | 30th below |
| Provision / NCO | 0.00% | 291.49% | -291.49% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 14.27% | 17.65% | -3.38% | 60th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 14.32% | 16.45% | -2.13% | 63rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 14.32% | 16.20% | -1.88% | 65th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.17% | 72.79% | +22.38% | 13th bottom |
| Core Deposit Ratio | 96.13% | 88.26% | +7.87% | 77th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.91% | 5.18% | -1.27% | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.01% | 4.27% | -4.26% | 32nd below |
| Loan Growth (Y/Y) | -1.02% | 6.77% | -7.79% | 35th below |
| Deposit Growth (Y/Y) | -0.14% | 3.73% | -3.87% | 34th below |
See First Bank of Utica's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Bank of Utica, 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 Utica profile, how to read a UBPR, or how this data updates.