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 Perry, OK against its peer group of 2672 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 | 1.81% | 1.34% | +0.47% | 79th top |
| ROAE | 19.04% | 13.31% | +5.73% | 84th top |
| Net Interest Margin | 4.33% | 3.93% | +0.40% | 72nd above |
| Efficiency Ratio | 54.81% | 61.14% | -6.33% | 70th above |
| PPNR / Avg Assets | 2.06% | 1.68% | +0.38% | 75th top |
| Yield on Earning Assets | 5.81% | 5.67% | +0.14% | 59th above |
| Cost of Funds | 1.62% | 1.88% | -0.26% | 61st above |
| Net Interest Spread | 3.79% | 3.32% | +0.47% | 74th 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. | 0.75% | 0.94% | -0.19% | 35th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.44% | 0.70% | -0.26% | 41st below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.16% | -0.07% | 20th bottom |
| ACL / Total Loans | 0.78% | 1.28% | -0.50% | 10th bottom |
| ACL / NPLs (Coverage) | 104.72% | 1539.06% | -1434.34% | 29th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.34% | 7.33% | -2.99% | 45th below |
| Provision / NCO | 29.53% | 1396.00% | -1366.47% | 25th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.34% | 12.14% | -0.80% | 56th above |
| Equity / Assets | 9.76% | 11.37% | -1.61% | 40th below |
| TCE / Tangible Assets | 9.69% | 11.09% | -1.40% | 44th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.63% | 80.64% | -15.01% | 76th top |
| Core Deposit Ratio | 92.09% | 86.86% | +5.23% | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.58% | 6.85% | -0.27% | 66th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.51% | 7.90% | -2.39% | 51st above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.66% | 6.29% | -0.63% | 62nd above |
See First Bank & Trust Company's peers by name
The 2672 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.