First Business Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Business Bank of Madison, WI against its peer group of 941 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 | 1.54% | 1.34% | +0.20% | 68th above |
| ROAE | 15.09% | 12.40% | +2.69% | 70th above |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.82% | 3.83% | -0.01% | 57th above |
| Efficiency Ratio | 57.34% | 57.84% | -0.50% | 52nd above |
| PPNR / Avg Assets | 1.88% | — | — | 60th above |
| Yield on Earning Assets | 6.35% | 5.71% | +0.64% | 86th top |
| Cost of Funds | 2.31% | 2.02% | +0.29% | 29th below |
| Net Interest Spread | 3.33% | — | — | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.06% | 1.00% | +0.06% | 31st below |
| NPA / Total Assets | 0.86% | — | — | 29th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.12% | 0.43% | -0.31% | 26th below |
| ACL / Total Loans | 1.04% | — | — | 36th below |
| ACL / NPLs (Coverage) | 98.24% | — | — | 29th below |
| Texas Ratio | 7.91% | 5.47% | +2.44% | 23rd bottom |
| Provision / NCO | 147.35% | — | — | 46th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.17% | 14.99% | -3.82% | 12th bottom |
| Tier 1 Ratio | 11.17% | 15.02% | -3.85% | 12th bottom |
| Total Capital Ratio | 12.18% | — | — | 12th bottom |
| Leverage Ratio | 10.37% | 11.11% | -0.74% | 46th below |
| Equity / Assets | 10.17% | 11.02% | -0.85% | 46th below |
| TCE / Tangible Assets | 9.94% | — | — | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.72% | 86.99% | +12.73% | 18th bottom |
| Core Deposit Ratio | 71.44% | 85.57% | -14.13% | 10th bottom |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 33.17% | 33.19% | -0.02% | 43rd below |
| Wholesale Funding Ratio | 6.77% | — | — | 29th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.13% | — | — | 75th top |
| Loan Growth (Y/Y) | 9.81% | — | — | 72nd above |
| Deposit Growth (Y/Y) | 8.64% | — | — | 69th above |
See First Business Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Business Bank, 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 Business Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Business Bank peer analysis.