First Citizens Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Citizens Bank of Luverne, 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 | 2.15% | 1.25% | +0.90% | 89th top |
| ROAE | 17.28% | 12.22% | +5.06% | 76th top |
| Net Interest Margin | 4.45% | 3.95% | +0.50% | 77th top |
| Efficiency Ratio | 44.16% | 63.71% | -19.55% | 90th top |
| PPNR / Avg Assets | 2.80% | — | — | 94th top |
| Yield on Earning Assets | 5.90% | 5.67% | +0.23% | 63rd above |
| Cost of Funds | 1.60% | 1.87% | -0.27% | 63rd above |
| Net Interest Spread | 3.74% | — | — | 72nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.76% | 0.88% | -0.12% | 35th below |
| NPA / Total Assets | 1.22% | — | — | 16th bottom |
| NCO / Avg Loans | -0.02% | 0.15% | -0.17% | 91st top |
| ACL / Total Loans | 1.31% | — | — | 64th above |
| ACL / NPLs (Coverage) | 173.12% | — | — | 43rd below |
| Texas Ratio | 9.05% | 5.96% | +3.09% | 20th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.30% | 11.75% | +2.55% | 83rd top |
| Equity / Assets | 12.76% | 10.98% | +1.78% | 76th top |
| TCE / Tangible Assets | 12.76% | — | — | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 67.27% | 80.44% | -13.17% | 75th top |
| Core Deposit Ratio | 85.62% | 86.95% | -1.33% | 33rd below |
| Wholesale Funding Ratio | 0.62% | — | — | 88th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.36% | — | — | 64th above |
| Loan Growth (Y/Y) | 8.84% | — | — | 68th above |
| Deposit Growth (Y/Y) | 5.26% | — | — | 59th above |
See First Citizens Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Citizens 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 Citizens 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 Citizens Bank peer analysis.