First Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Bank & Trust Company of Duncan, OK against its peer group of 2603 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 | 2.26% | 1.34% | +0.92% | 91st top |
| ROAE | 15.03% | 13.32% | +1.71% | 66th above |
| Net Interest Margin | 4.62% | 3.93% | +0.69% | 83rd top |
| Efficiency Ratio | 55.16% | 61.14% | -5.98% | 68th above |
| PPNR / Avg Assets | 2.34% | 1.68% | +0.66% | 85th top |
| Yield on Earning Assets | 6.00% | 5.67% | +0.33% | 68th above |
| Cost of Funds | 1.60% | 1.88% | -0.28% | 63rd above |
| Net Interest Spread | 3.82% | 3.32% | +0.50% | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 5.15% | 0.94% | +4.21% | 2nd bottom |
| NPA / Total Assets | 3.89% | 0.70% | +3.19% | 2nd bottom |
| NCO / Avg Loans | 1.37% | 0.16% | +1.21% | 2nd bottom |
| ACL / Total Loans | 1.30% | 1.28% | +0.02% | 63rd above |
| ACL / NPLs (Coverage) | 25.31% | 1547.65% | -1522.34% | 2nd bottom |
| Texas Ratio | 24.93% | 7.32% | +17.61% | 5th bottom |
| Provision / NCO | 8.12% | 1396.81% | -1388.69% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.02% | 19.48% | +0.54% | 77th top |
| Tier 1 Ratio | 20.02% | 19.52% | +0.50% | 77th top |
| Total Capital Ratio | 21.27% | 20.60% | +0.67% | 78th top |
| Leverage Ratio | 14.89% | 12.14% | +2.75% | 86th top |
| Equity / Assets | 15.26% | 11.36% | +3.90% | 89th top |
| TCE / Tangible Assets | 14.91% | 11.08% | +3.83% | 89th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.54% | 80.65% | +7.89% | 32nd below |
| Core Deposit Ratio | 90.87% | 86.85% | +4.02% | 60th above |
| Wholesale Funding Ratio | 0.00% | 5.04% | -5.04% | 100th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.66% | 6.85% | -7.51% | 16th bottom |
| Loan Growth (Y/Y) | -6.49% | 7.93% | -14.42% | 5th bottom |
| Deposit Growth (Y/Y) | -2.18% | 6.30% | -8.48% | 13th bottom |
See First Bank & Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Bank & Trust Company, 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 Company profile, how to read a UBPR, or how this data updates.