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 Milton, WI 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 | 1.72% | 1.35% | +0.37% | 75th top |
| ROAE | 18.79% | 12.05% | +6.74% | 83rd top |
| Net Interest Margin | 3.84% | 3.90% | -0.06% | 45th below |
| Efficiency Ratio | 58.77% | 63.15% | -4.38% | 58th above |
| PPNR / Avg Assets | 1.78% | 1.64% | +0.14% | 62nd above |
| Yield on Earning Assets | 5.44% | 5.65% | -0.21% | 42nd below |
| Cost of Funds | 1.93% | 1.85% | +0.08% | 42nd below |
| Net Interest Spread | 3.36% | 3.35% | +0.01% | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.34% | 0.92% | -0.58% | 55th above |
| NPA / Total Assets | 0.26% | 0.67% | -0.41% | 54th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.11% | 1.28% | -0.17% | 40th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 330.70% | 1645.70% | -1315.00% | 62nd above |
| Texas Ratio | 2.53% | 7.15% | -4.62% | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.38% | 12.46% | -2.08% | 39th below |
| Equity / Assets | 9.51% | 11.67% | -2.16% | 36th below |
| TCE / Tangible Assets | 9.51% | 11.40% | -1.89% | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.43% | 78.64% | +8.79% | 34th below |
| Core Deposit Ratio | 94.49% | 87.09% | +7.40% | 82nd top |
| Wholesale Funding Ratio | 0.31% | 5.12% | -4.81% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.87% | 6.48% | -3.61% | 39th below |
| Loan Growth (Y/Y) | 12.60% | 7.64% | +4.96% | 81st top |
| Deposit Growth (Y/Y) | 2.19% | 6.02% | -3.83% | 36th below |
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.