First Premier Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Premier Bank of Sioux Falls, SD against its peer group of 941 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 | 1.85% | 1.34% | +0.51% | 82nd top |
| ROAE | 14.38% | 12.40% | +1.98% | 65th above |
| Net Interest Margin | 3.54% | 3.83% | -0.29% | 37th below |
| Efficiency Ratio | 56.80% | 57.84% | -1.04% | 54th above |
| PPNR / Avg Assets | 2.05% | — | — | 70th above |
| Yield on Earning Assets | 5.23% | 5.71% | -0.48% | 31st below |
| Cost of Funds | 1.91% | 2.02% | -0.11% | 56th above |
| Net Interest Spread | 2.63% | — | — | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 1.00% | -0.94% | 92nd top |
| NPA / Total Assets | 0.04% | — | — | 92nd top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.15% | 0.43% | -0.28% | 22nd bottom |
| ACL / Total Loans | 1.44% | — | — | 83rd top |
| ACL / NPLs (Coverage) | 2321.22% | — | — | — |
| Texas Ratio | 0.40% | 5.47% | -5.07% | 91st top |
| Provision / NCO | 94.25% | — | — | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.95% | 14.99% | +4.96% | 91st top |
| Tier 1 Ratio | 19.95% | 15.02% | +4.93% | 91st top |
| Total Capital Ratio | 21.18% | — | — | 91st top |
| Leverage Ratio | 13.67% | 11.11% | +2.56% | 88th top |
| Equity / Assets | 13.55% | 11.02% | +2.53% | 87th top |
| TCE / Tangible Assets | 13.55% | — | — | 90th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.81% | 86.99% | -13.18% | 80th top |
| Core Deposit Ratio | 78.85% | 85.57% | -6.72% | 19th bottom |
| Uninsured Deposit Ratio | 56.10% | 33.19% | +22.91% | 6th bottom |
| Wholesale Funding Ratio | 5.09% | — | — | 41st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 16.46% | — | — | 88th top |
| Loan Growth (Y/Y) | -0.52% | — | — | 15th bottom |
| Deposit Growth (Y/Y) | 13.29% | — | — | 83rd top |
See First Premier Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Premier 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 Premier Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Premier Bank peer analysis.