First Metro Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Metro Bank of Muscle Shoals, AL against its peer group of 931 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 | 1.63% | 1.46% | +0.17% | 73rd above |
| ROAE | 15.09% | 12.72% | +2.37% | 72nd above |
| Net Interest Margin | 3.64% | 3.85% | -0.21% | 45th below |
| Efficiency Ratio | 43.86% | 57.41% | -13.55% | 88th top |
| PPNR / Avg Assets | 2.23% | 1.88% | +0.35% | 79th top |
| Yield on Earning Assets | 5.13% | 5.72% | -0.59% | 26th below |
| Cost of Funds | 1.68% | 2.02% | -0.34% | 71st above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.14% | 3.18% | -0.04% | 55th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.14% | 1.00% | -0.86% | 86th top |
| NPA / Total Assets | 0.12% | 0.76% | -0.64% | 84th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.43% | -0.39% | 44th below |
| ACL / Total Loans | 0.99% | 1.31% | -0.32% | 28th below |
| ACL / NPLs (Coverage) | 705.71% | 543.29% | +162.42% | 86th top |
| Texas Ratio | 1.07% | 7.39% | -6.32% | 86th top |
| Provision / NCO | 15.98% | 618.88% | -602.90% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.98% | 11.44% | +1.54% | 85th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.22% | 11.34% | -0.12% | 64th above |
| TCE / Tangible Assets | 11.22% | 10.50% | +0.72% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 67.10% | 86.96% | -19.86% | 88th top |
| Core Deposit Ratio | 81.74% | 85.56% | -3.82% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.40% | 9.68% | -8.28% | 25th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.54% | 8.06% | -1.52% | 56th above |
| Deposit Growth (Y/Y) | -0.02% | 7.87% | -7.89% | 19th bottom |
See First Metro Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Metro 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 Metro Bank profile, how to read a UBPR, or how this data updates.