First Cahawba Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Cahawba Bank of Selma, AL against its peer group of 2757 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 | 1.07% | 1.25% | -0.18% | 36th below |
| ROAE | 11.92% | 12.22% | -0.30% | 47th below |
| Net Interest Margin | 5.01% | 3.95% | +1.06% | 92nd top |
| Efficiency Ratio | 65.60% | 63.71% | +1.89% | 37th below |
| PPNR / Avg Assets | 1.71% | — | — | 57th above |
| Yield on Earning Assets | 6.05% | 5.67% | +0.38% | 70th above |
| Cost of Funds | 1.09% | 1.87% | -0.78% | 88th top |
| Net Interest Spread | 4.62% | — | — | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 0.88% | -0.76% | 71st above |
| NPA / Total Assets | 0.09% | — | — | 71st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 44th below |
| ACL / Total Loans | 1.05% | — | — | 32nd below |
| ACL / NPLs (Coverage) | 876.40% | — | — | 81st top |
| Texas Ratio | 0.88% | 5.96% | -5.08% | 70th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.81% | 11.75% | -0.94% | 46th below |
| Equity / Assets | 9.02% | 10.98% | -1.96% | 27th below |
| TCE / Tangible Assets | 9.02% | — | — | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.49% | 80.44% | -0.95% | 53rd above |
| Core Deposit Ratio | 90.47% | 86.95% | +3.52% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.16% | — | — | 33rd below |
| Loan Growth (Y/Y) | 16.94% | — | — | 89th top |
| Deposit Growth (Y/Y) | 0.93% | — | — | 28th below |
See First Cahawba Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Cahawba 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 Cahawba 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 Cahawba Bank peer analysis.