The First National Bank of Sterling City: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First National Bank of Sterling City of Sterling City, TX against its peer group of 2603 similarly-sized US banks as of Q3 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 | 1.67% | 1.25% | +0.42% | 59th above |
| ROAE | 21.51% | 13.21% | +8.30% | 89th top |
| Net Interest Margin | 3.04% | 3.95% | -0.91% | 6th bottom |
| Efficiency Ratio | 41.75% | 61.29% | -19.54% | 92nd top |
| PPNR / Avg Assets | 1.71% | — | — | 46th below |
| Yield on Earning Assets | 3.82% | 5.68% | -1.86% | 2nd bottom |
| Cost of Funds | 0.92% | 1.88% | -0.96% | 89th top |
| Net Interest Spread | 2.38% | — | — | 8th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 0.93% | -0.91% | 82nd top |
| NPA / Total Assets | 0.00% | — | — | 85th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 36th below |
| ACL / Total Loans | 1.15% | — | — | 44th below |
| ACL / NPLs (Coverage) | 5833.33% | — | — | — |
| Texas Ratio | 0.05% | 7.37% | -7.32% | 88th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 40.32% | 17.08% | +23.24% | 97th top |
| Tier 1 Ratio | 40.32% | 17.11% | +23.21% | 97th top |
| Total Capital Ratio | 41.01% | — | — | 97th top |
| Leverage Ratio | 11.91% | 11.73% | +0.18% | 61st above |
| Equity / Assets | 7.64% | 10.97% | -3.33% | 15th bottom |
| TCE / Tangible Assets | 7.64% | — | — | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 20.62% | 80.71% | -60.09% | 99th top |
| Core Deposit Ratio | 93.46% | 86.89% | +6.57% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.51% | — | — | 19th bottom |
| Loan Growth (Y/Y) | 4.27% | — | — | 40th below |
| Deposit Growth (Y/Y) | 0.13% | — | — | 22nd bottom |
See The First National Bank of Sterling City's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Sterling City, 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 The First National Bank of Sterling City profile, how to read a UBPR, or how this data updates.