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 Beemer, NE 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 | 1.06% | 1.25% | -0.19% | 36th below |
| ROAE | 10.72% | 13.17% | -2.45% | 40th below |
| Net Interest Margin | 3.81% | 3.95% | -0.14% | 42nd below |
| Efficiency Ratio | 59.49% | 61.50% | -2.01% | 55th above |
| PPNR / Avg Assets | 1.47% | — | — | 41st below |
| Yield on Earning Assets | 6.53% | 5.67% | +0.86% | 88th top |
| Cost of Funds | 2.66% | 1.87% | +0.79% | 11th bottom |
| Net Interest Spread | 3.30% | — | — | 48th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.46% | 0.93% | -0.47% | 47th below |
| NPA / Total Assets | 0.35% | — | — | 47th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 47th below |
| ACL / Total Loans | 1.30% | — | — | 62nd above |
| ACL / NPLs (Coverage) | 280.42% | — | — | 58th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.09% | 6.06% | -2.97% | 47th below |
| Provision / NCO | 1166.67% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.15% | 17.18% | -6.03% | 9th bottom |
| Tier 1 Ratio | 11.15% | 17.21% | -6.06% | 9th bottom |
| Total Capital Ratio | 12.40% | — | — | 11th bottom |
| Leverage Ratio | 9.05% | 11.75% | -2.70% | 13th bottom |
| Equity / Assets | 9.82% | 10.98% | -1.16% | 41st below |
| TCE / Tangible Assets | 8.86% | — | — | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.93% | 80.44% | +5.49% | 38th below |
| Core Deposit Ratio | 82.33% | 86.95% | -4.62% | 22nd bottom |
| Wholesale Funding Ratio | 1.79% | — | — | 71st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 20.95% | — | — | 95th top |
| Loan Growth (Y/Y) | 26.06% | — | — | 96th top |
| Deposit Growth (Y/Y) | 24.09% | — | — | 96th top |
See First Community Bank's peers by name
The 2757 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. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Community Bank peer analysis.