First Independence Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Independence Bank of Detroit, MI 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 | 0.59% | 1.25% | -0.66% | 15th bottom |
| ROAE | 6.26% | 12.22% | -5.96% | 17th bottom |
| Net Interest Margin | 3.55% | 3.95% | -0.40% | 29th below |
| Efficiency Ratio | 84.50% | 63.71% | +20.79% | 9th bottom |
| PPNR / Avg Assets | 1.24% | — | — | 30th below |
| Yield on Earning Assets | 5.44% | 5.67% | -0.23% | 42nd below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.84% | 1.87% | -0.03% | 47th below |
| Net Interest Spread | 2.77% | — | — | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.71% | 0.88% | -0.17% | 37th below |
| NPA / Total Assets | 0.59% | — | — | 34th below |
| NCO / Avg Loans | 3.30% | 0.15% | +3.15% | 1st bottom |
| ACL / Total Loans | 1.99% | — | — | 93rd top |
| ACL / NPLs (Coverage) | 279.33% | — | — | 57th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.64% | 5.96% | -0.32% | 32nd below |
| Provision / NCO | 2.37% | — | — | 23rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.82% | 11.75% | -0.93% | 47th below |
| Equity / Assets | 9.41% | 10.98% | -1.57% | 34th below |
| TCE / Tangible Assets | 9.21% | — | — | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.11% | 80.44% | -4.33% | 60th above |
| Core Deposit Ratio | 75.10% | 86.95% | -11.85% | 9th bottom |
| Wholesale Funding Ratio | 6.01% | — | — | 31st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 25.09% | — | — | 97th top |
| Loan Growth (Y/Y) | 35.94% | — | — | 98th top |
| Deposit Growth (Y/Y) | 33.25% | — | — | 98th top |
See First Independence Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Independence 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 Independence 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 Independence Bank peer analysis.