First Independent Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Independent Bank of Aurora, MO 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 | 1.21% | 1.35% | -0.14% | 46th below |
| ROAE | 11.31% | 12.05% | -0.74% | 43rd below |
| Net Interest Margin | 3.86% | 3.90% | -0.04% | 46th below |
| Efficiency Ratio | 58.49% | 63.15% | -4.66% | 58th above |
| PPNR / Avg Assets | 1.69% | 1.64% | +0.05% | 56th above |
| Yield on Earning Assets | 5.39% | 5.65% | -0.26% | 40th below |
| Cost of Funds | 1.67% | 1.85% | -0.18% | 58th above |
| Net Interest Spread | 3.20% | 3.35% | -0.15% | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.10% | 0.92% | +0.18% | 26th below |
| NPA / Total Assets | 0.73% | 0.67% | +0.06% | 29th below |
| NCO / Avg Loans | 0.31% | 0.14% | +0.17% | 9th bottom |
| ACL / Total Loans | 1.46% | 1.28% | +0.18% | 76th top |
| ACL / NPLs (Coverage) | 132.64% | 1645.78% | -1513.14% | 37th below |
| Texas Ratio | 7.64% | 7.15% | +0.49% | 29th below |
| Provision / NCO | 72.97% | 1189.88% | -1116.91% | 34th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.63% | 12.46% | -0.83% | 60th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.72% | 11.67% | -0.95% | 56th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.72% | 11.40% | -0.68% | 60th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 56.28% | 78.65% | -22.37% | 87th top |
| Core Deposit Ratio | 90.69% | 87.09% | +3.60% | 59th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.70% | 6.47% | -0.77% | 60th above |
| Loan Growth (Y/Y) | 1.30% | 7.64% | -6.34% | 28th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.20% | 6.02% | -0.82% | 59th above |
See First Independent Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Independent 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 Independent Bank profile, how to read a UBPR, or how this data updates.