First Peoples Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Peoples Bank of Pine Mountain, GA 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 | 1.03% | 1.34% | -0.31% | 35th below |
| ROAE | 8.45% | 13.32% | -4.87% | 28th below |
| Net Interest Margin | 5.06% | 3.93% | +1.13% | 93rd top |
| Efficiency Ratio | 66.89% | 61.14% | +5.75% | 35th below |
| PPNR / Avg Assets | 1.68% | 1.68% | +0.00% | 56th above |
| Yield on Earning Assets | 6.71% | 5.67% | +1.04% | 91st top |
| Cost of Funds | 1.79% | 1.88% | -0.09% | 51st above |
| Net Interest Spread | 4.13% | 3.32% | +0.81% | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.21% | 0.94% | -0.73% | 64th above |
| NPA / Total Assets | 0.16% | 0.70% | -0.54% | 63rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.16% | -0.05% | 18th bottom |
| ACL / Total Loans | 1.46% | 1.28% | +0.18% | 76th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 708.72% | 1539.07% | -830.35% | 77th top |
| Texas Ratio | 1.24% | 7.33% | -6.09% | 70th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 592.45% | 1396.02% | -803.57% | 75th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.48% | 19.51% | -5.03% | 44th below |
| Tier 1 Ratio | 14.48% | 19.54% | -5.06% | 44th below |
| Total Capital Ratio | 15.73% | 20.62% | -4.89% | 45th below |
| Leverage Ratio | 12.84% | 12.14% | +0.70% | 74th above |
| Equity / Assets | 12.06% | 11.37% | +0.69% | 71st above |
| TCE / Tangible Assets | 12.06% | 11.09% | +0.97% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.99% | 80.63% | +13.36% | 20th bottom |
| Core Deposit Ratio | 93.94% | 86.86% | +7.08% | 79th top |
| Wholesale Funding Ratio | 2.39% | 5.03% | -2.64% | 63rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 20.10% | 6.85% | +13.25% | 95th top |
| Loan Growth (Y/Y) | 22.39% | 7.90% | +14.49% | 94th top |
| Deposit Growth (Y/Y) | 19.85% | 6.28% | +13.57% | 94th top |
See First Peoples Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Peoples 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 Peoples Bank profile, how to read a UBPR, or how this data updates.