First Electronic Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Electronic Bank of Salt Lake City, UT 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 | 10.49% | 1.25% | +9.24% | 100th top |
| ROAE | 22.53% | 13.17% | +9.36% | 92nd top |
| Net Interest Margin | 21.61% | 3.95% | +17.66% | 100th top |
| Efficiency Ratio | 43.56% | 61.50% | -17.94% | 91st top |
| PPNR / Avg Assets | 14.64% | — | — | 100th top |
| Yield on Earning Assets | 21.79% | 5.67% | +16.12% | 100th top |
| Cost of Funds | 0.17% | 1.87% | -1.70% | 99th top |
| Net Interest Spread | 18.20% | — | — | 100th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.93% | -0.92% | 84th top |
| NPA / Total Assets | 0.00% | — | — | 86th top |
| NCO / Avg Loans | 0.22% | 0.15% | +0.07% | 12th bottom |
| ACL / Total Loans | 0.62% | — | — | 5th bottom |
| ACL / NPLs (Coverage) | 5250.00% | — | — | — |
| Texas Ratio | 0.01% | 6.06% | -6.05% | 88th top |
| Provision / NCO | 1582.35% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 90.01% | 17.18% | +72.83% | 99th top |
| Tier 1 Ratio | 90.01% | 17.21% | +72.80% | 99th top |
| Total Capital Ratio | 90.58% | — | — | 99th top |
| Leverage Ratio | 46.82% | 11.75% | +35.07% | 99th top |
| Equity / Assets | 39.44% | 10.98% | +28.46% | 99th top |
| TCE / Tangible Assets | 39.44% | — | — | 99th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.58% | 80.44% | -8.86% | 68th above |
| Core Deposit Ratio | 99.91% | 86.95% | +12.96% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.76% | — | — | 11th bottom |
| Loan Growth (Y/Y) | 26.49% | — | — | 96th top |
| Deposit Growth (Y/Y) | -14.35% | — | — | 1st bottom |
See First Electronic Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Electronic 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 Electronic Bank profile, how to read a UBPR, or how this data updates.