First Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Community Bank of Newell, IA 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 | 1.51% | 1.34% | +0.17% | 64th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.77% | 13.31% | -0.54% | 53rd above |
| Net Interest Margin | 4.01% | 3.93% | +0.08% | 54th above |
| Efficiency Ratio | 62.82% | 61.14% | +1.68% | 45th below |
| PPNR / Avg Assets | 1.51% | 1.68% | -0.17% | 45th below |
| Yield on Earning Assets | 5.30% | 5.67% | -0.37% | 35th below |
| Cost of Funds | 1.38% | 1.88% | -0.50% | 76th top |
| Net Interest Spread | 3.55% | 3.32% | +0.23% | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.31% | 0.94% | +0.37% | 22nd bottom |
| NPA / Total Assets | 0.86% | 0.70% | +0.16% | 24th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 32nd below |
| ACL / Total Loans | 1.32% | 1.28% | +0.04% | 65th above |
| ACL / NPLs (Coverage) | 100.90% | 1538.85% | -1437.95% | 28th below |
| Texas Ratio | 8.88% | 7.33% | +1.55% | 25th below |
| Provision / NCO | 0.00% | 1395.73% | -1395.73% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.86% | 19.50% | -6.64% | 26th below |
| Tier 1 Ratio | 12.86% | 19.54% | -6.68% | 25th below |
| Total Capital Ratio | 14.06% | 20.62% | -6.56% | 27th below |
| Leverage Ratio | 9.40% | 12.14% | -2.74% | 19th bottom |
| Equity / Assets | 12.13% | 11.37% | +0.76% | 72nd above |
| TCE / Tangible Assets | 9.21% | 11.09% | -1.88% | 35th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.96% | 80.64% | -2.68% | 56th above |
| Core Deposit Ratio | 89.63% | 86.86% | +2.77% | 52nd above |
| Wholesale Funding Ratio | 2.89% | 5.03% | -2.14% | 57th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.03% | 6.85% | -6.88% | 19th bottom |
| Loan Growth (Y/Y) | 4.03% | 7.90% | -3.87% | 42nd below |
| Deposit Growth (Y/Y) | -0.58% | 6.29% | -6.87% | 20th bottom |
See First Community Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Community 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 Community Bank profile, how to read a UBPR, or how this data updates.