First Central Bank McCook: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Central Bank McCook of McCook, NE 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 | 0.71% | 1.34% | -0.63% | 19th bottom |
| ROAE | 6.29% | 13.32% | -7.03% | 18th bottom |
| Net Interest Margin | 4.18% | 3.93% | +0.25% | 63rd above |
| Efficiency Ratio | 75.61% | 61.13% | +14.48% | 19th bottom |
| PPNR / Avg Assets | 0.98% | 1.68% | -0.70% | 19th bottom |
| Yield on Earning Assets | 6.39% | 5.67% | +0.72% | 84th top |
| Cost of Funds | 2.39% | 1.88% | +0.51% | 18th bottom |
| Net Interest Spread | 3.58% | 3.32% | +0.26% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 5.80% | 0.94% | +4.86% | 2nd bottom |
| NPA / Total Assets | 4.76% | 0.70% | +4.06% | 1st bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.66% | 1.28% | +0.38% | 86th top |
| ACL / NPLs (Coverage) | 28.64% | 1546.32% | -1517.68% | 3rd bottom |
| Texas Ratio | 37.66% | 7.33% | +30.33% | 2nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.11% | 19.49% | -6.38% | 29th below |
| Tier 1 Ratio | 13.11% | 19.52% | -6.41% | 29th below |
| Total Capital Ratio | 14.37% | 20.61% | -6.24% | 31st below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.30% | 12.14% | -0.84% | 55th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.28% | 11.36% | -0.08% | 63rd above |
| TCE / Tangible Assets | 11.28% | 11.08% | +0.20% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.30% | 80.66% | +14.64% | 18th bottom |
| Core Deposit Ratio | 68.17% | 86.85% | -18.68% | 4th bottom |
| Wholesale Funding Ratio | 1.89% | 5.04% | -3.15% | 69th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.81% | 6.84% | -9.65% | 9th bottom |
| Loan Growth (Y/Y) | 11.48% | 7.92% | +3.56% | 78th top |
| Deposit Growth (Y/Y) | -0.62% | 6.29% | -6.91% | 20th bottom |
See First Central Bank McCook's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Central Bank McCook, 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 McCook profile, how to read a UBPR, or how this data updates.