First Commerce Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Commerce Bank of Marysville, KS 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 | 1.86% | 1.25% | +0.61% | 80th top |
| ROAE | 16.01% | 12.22% | +3.79% | 71st above |
| Net Interest Margin | 3.98% | 3.95% | +0.03% | 52nd above |
| Efficiency Ratio | 53.14% | 63.71% | -10.57% | 74th above |
| PPNR / Avg Assets | 1.90% | — | — | 67th above |
| Yield on Earning Assets | 5.54% | 5.67% | -0.13% | 47th below |
| Cost of Funds | 1.76% | 1.87% | -0.11% | 53rd above |
| Net Interest Spread | 3.40% | — | — | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.26% | 0.88% | -0.62% | 61st above |
| NPA / Total Assets | 0.21% | — | — | 59th above |
| NCO / Avg Loans | -0.02% | 0.15% | -0.17% | 90th top |
| ACL / Total Loans | 1.01% | — | — | 27th below |
| ACL / NPLs (Coverage) | 392.47% | — | — | 64th above |
| Texas Ratio | 1.74% | 5.96% | -4.22% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.79% | 11.75% | +0.04% | 62nd above |
| Equity / Assets | 11.87% | 10.98% | +0.89% | 70th above |
| TCE / Tangible Assets | 11.34% | — | — | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.04% | 80.44% | +13.60% | 21st bottom |
| Core Deposit Ratio | 75.31% | 86.95% | -11.64% | 9th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.13% | — | — | 26th below |
| Loan Growth (Y/Y) | 5.45% | — | — | 50th above |
| Deposit Growth (Y/Y) | 3.76% | — | — | 48th below |
See First Commerce Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Commerce 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 Commerce 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 Commerce Bank peer analysis.