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 Harbor Springs, MI 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 | 1.92% | 1.34% | +0.58% | 83rd top |
| ROAE | 19.62% | 13.31% | +6.31% | 86th top |
| Net Interest Margin | 5.42% | 3.93% | +1.49% | 97th top |
| Efficiency Ratio | 64.99% | 61.14% | +3.85% | 39th below |
| PPNR / Avg Assets | 1.92% | 1.68% | +0.24% | 69th above |
| Yield on Earning Assets | 6.25% | 5.67% | +0.58% | 79th top |
| Cost of Funds | 0.87% | 1.88% | -1.01% | 94th top |
| Net Interest Spread | 4.84% | 3.32% | +1.52% | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 75th top |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 46th below |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.96% | 19.51% | -7.55% | 17th bottom |
| Tier 1 Ratio | 11.96% | 19.54% | -7.58% | 17th bottom |
| Total Capital Ratio | 13.15% | 20.63% | -7.48% | 18th bottom |
| Leverage Ratio | 9.93% | 12.14% | -2.21% | 30th below |
| Equity / Assets | 9.74% | 11.37% | -1.63% | 40th below |
| TCE / Tangible Assets | 9.74% | 11.09% | -1.35% | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.72% | 80.63% | +14.09% | 19th bottom |
| Core Deposit Ratio | 96.50% | 86.86% | +9.64% | 91st top |
| Wholesale Funding Ratio | 3.10% | 5.03% | -1.93% | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.18% | 6.85% | -4.67% | 34th below |
| Loan Growth (Y/Y) | 4.12% | 7.90% | -3.78% | 43rd below |
| Deposit Growth (Y/Y) | 2.82% | 6.29% | -3.47% | 42nd 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.