First Capital Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Capital Bank of Quanah, TX 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 | 1.42% | 1.34% | +0.08% | 59th above |
| ROAE | 15.08% | 13.32% | +1.76% | 66th above |
| Net Interest Margin | 5.85% | 3.93% | +1.92% | 98th top |
| Efficiency Ratio | 67.57% | 61.13% | +6.44% | 34th below |
| PPNR / Avg Assets | 1.88% | 1.68% | +0.20% | 66th above |
| Yield on Earning Assets | 7.18% | 5.67% | +1.51% | 96th top |
| Cost of Funds | 1.32% | 1.88% | -0.56% | 79th top |
| Net Interest Spread | 4.79% | 3.32% | +1.47% | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 5.12% | 0.94% | +4.18% | 2nd bottom |
| NPA / Total Assets | 4.06% | 0.70% | +3.36% | 2nd bottom |
| NCO / Avg Loans | 0.87% | 0.16% | +0.71% | 4th bottom |
| ACL / Total Loans | 1.69% | 1.28% | +0.41% | 87th top |
| ACL / NPLs (Coverage) | 32.97% | 1546.29% | -1513.32% | 4th bottom |
| Texas Ratio | 40.05% | 7.33% | +32.72% | 2nd bottom |
| Provision / NCO | 40.87% | 1395.08% | -1354.21% | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.71% | 19.49% | -5.78% | 36th below |
| Tier 1 Ratio | 13.71% | 19.52% | -5.81% | 36th below |
| Total Capital Ratio | 14.97% | 20.61% | -5.64% | 37th below |
| Leverage Ratio | 9.57% | 12.14% | -2.57% | 23rd bottom |
| Equity / Assets | 9.58% | 11.36% | -1.78% | 37th below |
| TCE / Tangible Assets | 9.58% | 11.08% | -1.50% | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.10% | 80.66% | -2.56% | 55th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.01% | 86.85% | +1.16% | 44th below |
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. | 5.50% | 6.84% | -1.34% | 59th above |
| Loan Growth (Y/Y) | -5.94% | 7.92% | -13.86% | 6th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.51% | 6.29% | -0.78% | 60th above |
See First Capital Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Capital 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 Capital Bank profile, how to read a UBPR, or how this data updates.