First General Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First General Bank of Rowland Heights, CA against its peer group of 941 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 | 2.38% | 1.34% | +1.04% | 95th top |
| ROAE | 9.09% | 12.34% | -3.25% | 24th bottom |
| Net Interest Margin | 4.96% | 3.83% | +1.13% | 94th top |
| Efficiency Ratio | 30.88% | 58.97% | -28.09% | 98th top |
| PPNR / Avg Assets | 3.43% | — | — | 97th top |
| Yield on Earning Assets | 6.77% | 5.71% | +1.06% | 93rd top |
| Cost of Funds | 2.51% | 2.02% | +0.49% | 21st bottom |
| Net Interest Spread | 3.88% | — | — | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.83% | 0.87% | +0.96% | 10th bottom |
| NPA / Total Assets | 1.72% | — | — | 8th bottom |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 78th top |
| ACL / Total Loans | 1.39% | — | — | 79th top |
| ACL / NPLs (Coverage) | 75.85% | — | — | 14th bottom |
| Texas Ratio | 6.40% | 5.48% | +0.92% | 30th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 26.30% | 11.11% | +15.19% | 98th top |
| Equity / Assets | 25.80% | 11.02% | +14.78% | 99th top |
| TCE / Tangible Assets | 25.79% | — | — | 99th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 112.71% | 86.99% | +25.72% | 4th bottom |
| Core Deposit Ratio | 57.55% | 85.57% | -28.02% | 3rd bottom |
| Uninsured Deposit Ratio | 47.61% | 33.19% | +14.42% | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.33% | — | — | 35th below |
| Loan Growth (Y/Y) | 1.55% | — | — | 24th bottom |
| Deposit Growth (Y/Y) | 1.67% | — | — | 26th below |
See First General Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First General 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 General 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 General Bank peer analysis.