First Mutual Bank, FSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Mutual Bank, FSB of Belpre, OH 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 | 0.38% | 1.25% | -0.87% | 9th bottom |
| ROAE | 4.07% | 13.17% | -9.10% | 10th bottom |
| Net Interest Margin | 2.68% | 3.95% | -1.27% | 4th bottom |
| Efficiency Ratio | 83.43% | 61.50% | +21.93% | 9th bottom |
| PPNR / Avg Assets | 0.46% | — | — | 6th bottom |
| Yield on Earning Assets | 3.90% | 5.67% | -1.77% | 2nd bottom |
| Cost of Funds | 1.28% | 1.87% | -0.59% | 81st top |
| Net Interest Spread | 2.51% | — | — | 13th 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. | 0.55% | 0.93% | -0.38% | 43rd below |
| NPA / Total Assets | 0.34% | — | — | 48th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.76% | — | — | 9th bottom |
| ACL / NPLs (Coverage) | 138.71% | — | — | 38th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.04% | 6.06% | -1.02% | 35th below |
| Provision / NCO | 50.00% | — | — | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 18.65% | 17.18% | +1.47% | 72nd above |
| Tier 1 Ratio | 18.65% | 17.21% | +1.44% | 72nd above |
| Total Capital Ratio | 19.61% | — | — | 72nd above |
| Leverage Ratio | 9.60% | 11.75% | -2.15% | 23rd bottom |
| Equity / Assets | 9.81% | 10.98% | -1.17% | 41st below |
| TCE / Tangible Assets | 6.48% | — | — | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.91% | 80.44% | -5.53% | 62nd above |
| Core Deposit Ratio | 96.54% | 86.95% | +9.59% | 91st top |
| Wholesale Funding Ratio | 7.28% | — | — | 24th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.33% | — | — | 17th bottom |
| Loan Growth (Y/Y) | -4.36% | — | — | 8th bottom |
| Deposit Growth (Y/Y) | 3.07% | — | — | 43rd below |
See First Mutual Bank, FSB's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Mutual Bank, FSB, 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 Mutual Bank, FSB profile, how to read a UBPR, or how this data updates.