First Central Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Central Bank of Cambridge, NE 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 | 1.41% | 1.35% | +0.06% | 58th above |
| ROAE Ahead of the peer average, behind the median peer. | 12.23% | 12.05% | +0.18% | 49th below |
| Net Interest Margin | 4.15% | 3.90% | +0.25% | 62nd above |
| Efficiency Ratio | 64.07% | 63.15% | +0.92% | 42nd below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.62% | 1.64% | -0.02% | 52nd above |
| Yield on Earning Assets | 6.08% | 5.65% | +0.43% | 72nd above |
| Cost of Funds | 2.12% | 1.85% | +0.27% | 30th below |
| Net Interest Spread | 3.48% | 3.35% | +0.13% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.47% | 0.92% | +2.55% | 5th bottom |
| NPA / Total Assets | 2.83% | 0.67% | +2.16% | 4th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.30% | 1.28% | +0.02% | 62nd above |
| ACL / NPLs (Coverage) | 37.52% | 1645.82% | -1608.30% | 6th bottom |
| Texas Ratio | 22.56% | 7.14% | +15.42% | 6th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.77% | 20.83% | -7.06% | 37th below |
| Tier 1 Ratio | 13.77% | 20.87% | -7.10% | 37th below |
| Total Capital Ratio | 15.00% | 21.94% | -6.94% | 38th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.59% | 12.46% | -0.87% | 59th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.55% | 11.67% | -0.12% | 66th above |
| TCE / Tangible Assets | 11.55% | 11.40% | +0.15% | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.52% | 78.64% | +11.88% | 27th below |
| Core Deposit Ratio | 75.51% | 87.10% | -11.59% | 9th bottom |
| Wholesale Funding Ratio | 2.03% | 5.11% | -3.08% | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.19% | 6.48% | -9.67% | 8th bottom |
| Loan Growth (Y/Y) | -0.89% | 7.64% | -8.53% | 20th bottom |
| Deposit Growth (Y/Y) | -2.54% | 6.03% | -8.57% | 12th bottom |
See First Central Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Central 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 Central Bank profile, how to read a UBPR, or how this data updates.