First Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Bank & Trust of Brookings, SD against its peer group of 931 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% | 1.44% | -0.14% | 52nd above |
| ROAE | 11.71% | 12.51% | -0.80% | 46th below |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.76% | 3.84% | -0.08% | 53rd above |
| Efficiency Ratio | 56.95% | 58.87% | -1.92% | 55th above |
| PPNR / Avg Assets | 1.78% | 1.78% | +0.00% | 55th above |
| Yield on Earning Assets | 5.75% | 5.71% | +0.04% | 63rd above |
| Cost of Funds | 2.14% | 2.03% | +0.11% | 41st below |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.12% | 3.18% | -0.06% | 54th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.41% | 0.96% | -0.55% | 64th above |
| NPA / Total Assets | 0.43% | 0.75% | -0.32% | 55th above |
| NCO / Avg Loans | -0.01% | 0.31% | -0.32% | 92nd top |
| ACL / Total Loans | 1.25% | 1.25% | +0.00% | 65th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 301.92% | 699.28% | -397.36% | 70th above |
| Texas Ratio | 3.95% | 7.16% | -3.21% | 57th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 523.42% | 814.91% | -291.49% | 77th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.37% | 11.60% | -1.23% | 47th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.27% | 11.33% | -0.06% | 64th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.02% | 10.65% | -0.63% | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.70% | 86.35% | -0.65% | 57th above |
| Core Deposit Ratio | 89.74% | 85.55% | +4.19% | 57th above |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 31.11% | 32.71% | -1.60% | 49th below |
| Wholesale Funding Ratio | 0.03% | 5.46% | -5.43% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.77% | 10.47% | -9.70% | 20th bottom |
| Loan Growth (Y/Y) | 2.54% | 8.00% | -5.46% | 32nd below |
| Deposit Growth (Y/Y) | 2.77% | 7.98% | -5.21% | 36th below |
See First Bank & Trust's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Bank & Trust, 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 & Trust profile, how to read a UBPR, or how this data updates.