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 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 | 1.59% | 1.35% | +0.24% | 68th above |
| ROAE | 18.66% | 12.05% | +6.61% | 82nd top |
| Net Interest Margin | 2.97% | 3.90% | -0.93% | 9th bottom |
| Efficiency Ratio | 42.78% | 63.16% | -20.38% | 92nd top |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.62% | 1.64% | -0.02% | 52nd above |
| Yield on Earning Assets | 3.75% | 5.65% | -1.90% | 1st bottom |
| Cost of Funds | 0.90% | 1.85% | -0.95% | 93rd top |
| Net Interest Spread | 2.36% | 3.35% | -0.99% | 9th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 86th top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 87th top |
| NCO / Avg Loans | -0.03% | 0.15% | -0.18% | 92nd top |
| ACL / Total Loans | 1.09% | 1.28% | -0.19% | 38th below |
| ACL / NPLs (Coverage) | 49700.00% | 1624.68% | +48075.32% | — |
| Texas Ratio | 0.00% | 7.15% | -7.15% | 90th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 39.60% | 20.82% | +18.78% | 96th top |
| Tier 1 Ratio | 39.60% | 20.85% | +18.75% | 96th top |
| Total Capital Ratio | 40.26% | 21.92% | +18.34% | 96th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.62% | 12.46% | -0.84% | 60th above |
| Equity / Assets | 8.98% | 11.67% | -2.69% | 27th below |
| TCE / Tangible Assets | 8.98% | 11.40% | -2.42% | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 20.79% | 78.66% | -57.87% | 99th top |
| Core Deposit Ratio | 96.95% | 87.09% | +9.86% | 93rd top |
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. | 6.25% | 6.47% | -0.22% | 64th above |
| Loan Growth (Y/Y) | 3.10% | 7.64% | -4.54% | 37th below |
| Deposit Growth (Y/Y) | 3.81% | 6.02% | -2.21% | 48th below |
See The First National Bank of Sterling City's peers by name
The 2672 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.