First Carolina Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Carolina Bank of Rocky Mount, NC against its peer group of 931 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 | 0.72% | 1.46% | -0.74% | 16th bottom |
| ROAE | 5.66% | 12.73% | -7.07% | 12th bottom |
| Net Interest Margin | 3.35% | 3.85% | -0.50% | 28th below |
| Efficiency Ratio | 74.45% | 57.38% | +17.07% | 13th bottom |
| PPNR / Avg Assets | 0.92% | 1.88% | -0.96% | 13th bottom |
| Yield on Earning Assets | 5.91% | 5.72% | +0.19% | 72nd above |
| Cost of Funds | 2.74% | 2.01% | +0.73% | 14th bottom |
| Net Interest Spread | 2.41% | 3.18% | -0.77% | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.23% | 1.00% | +0.23% | 26th below |
| NPA / Total Assets | 0.99% | 0.76% | +0.23% | 25th below |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 78th top |
| ACL / Total Loans | 0.80% | 1.31% | -0.51% | 14th bottom |
| ACL / NPLs (Coverage) | 65.60% | 544.00% | -478.40% | 15th bottom |
| Texas Ratio | 8.23% | 7.39% | +0.84% | 30th below |
| Provision / NCO | 29375.00% | 573.74% | +28801.26% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.88% | 17.34% | -4.46% | 40th below |
| Tier 1 Ratio | 12.88% | 17.38% | -4.50% | 40th below |
| Total Capital Ratio | 13.72% | 18.43% | -4.71% | 35th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.36% | 11.44% | -0.08% | 67th above |
| Equity / Assets | 13.38% | 11.33% | +2.05% | 87th top |
| TCE / Tangible Assets | 11.59% | 10.50% | +1.09% | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.55% | 86.94% | +8.61% | 28th below |
| Core Deposit Ratio | 76.86% | 85.57% | -8.71% | 16th bottom |
| Uninsured Deposit Ratio | 17.72% | 33.14% | -15.42% | 88th top |
| Wholesale Funding Ratio | 1.47% | 5.71% | -4.24% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.57% | 9.69% | -9.12% | 19th bottom |
| Loan Growth (Y/Y) | 1.69% | 8.06% | -6.37% | 27th below |
| Deposit Growth (Y/Y) | -2.57% | 7.88% | -10.45% | 9th bottom |
See First Carolina Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Carolina 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 Carolina Bank profile, how to read a UBPR, or how this data updates.