First & Peoples Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First & Peoples Bank and Trust Company of Russell, KY 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 | -0.38% | 1.35% | -1.73% | 3rd bottom |
| ROAE | -5.30% | 12.06% | -17.36% | 3rd bottom |
| Net Interest Margin | 2.87% | 3.90% | -1.03% | 7th bottom |
| Efficiency Ratio | 103.89% | 63.13% | +40.76% | 3rd bottom |
| PPNR / Avg Assets | -0.21% | 1.64% | -1.85% | 2nd bottom |
| Yield on Earning Assets | 3.89% | 5.65% | -1.76% | 2nd bottom |
| Cost of Funds | 1.07% | 1.85% | -0.78% | 89th top |
| Net Interest Spread | 2.49% | 3.35% | -0.86% | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 15.30% | 0.91% | +14.39% | 0th bottom |
| NPA / Total Assets | 6.75% | 0.67% | +6.08% | 1st bottom |
| NCO / Avg Loans | 2.52% | 0.14% | +2.38% | 1st bottom |
| ACL / Total Loans | 4.26% | 1.28% | +2.98% | 100th top |
| ACL / NPLs (Coverage) | 27.83% | 1645.83% | -1618.00% | 3rd bottom |
| Texas Ratio | 70.76% | 7.13% | +63.63% | 0th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.05% | 12.46% | -3.41% | 13th bottom |
| Equity / Assets | 7.66% | 11.67% | -4.01% | 11th bottom |
| TCE / Tangible Assets | 7.66% | 11.40% | -3.74% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 47.98% | 78.65% | -30.67% | 93rd top |
| Core Deposit Ratio | 95.48% | 87.09% | +8.39% | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.68% | 6.48% | -8.16% | 11th bottom |
| Loan Growth (Y/Y) | -3.13% | 7.64% | -10.77% | 12th bottom |
| Deposit Growth (Y/Y) | -3.05% | 6.03% | -9.08% | 10th bottom |
See First & Peoples Bank and Trust Company'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 and Trust Company, 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 and Trust Company profile, how to read a UBPR, or how this data updates.