First Reliance Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Reliance Bank of Florence, SC against its peer group of 931 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 | 1.09% | 1.44% | -0.35% | 35th below |
| ROAE | 10.82% | 12.51% | -1.69% | 39th below |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.83% | 3.84% | -0.01% | 58th above |
| Efficiency Ratio | 69.62% | 58.86% | +10.76% | 21st bottom |
| PPNR / Avg Assets | 1.43% | 1.78% | -0.35% | 33rd below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.62% | 5.71% | -0.09% | 55th above |
| Cost of Funds | 1.89% | 2.03% | -0.14% | 57th above |
| Net Interest Spread | 3.07% | 3.18% | -0.11% | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 0.97% | -0.84% | 86th top |
| NPA / Total Assets | 0.10% | 0.75% | -0.65% | 86th top |
| NCO / Avg Loans | -0.00% | 0.31% | -0.31% | 88th top |
| ACL / Total Loans | 1.11% | 1.25% | -0.14% | 43rd below |
| ACL / NPLs (Coverage) | 826.02% | 698.70% | +127.32% | 88th top |
| Texas Ratio | 0.92% | 7.17% | -6.25% | 88th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.16% | 17.41% | -4.25% | 45th below |
| Tier 1 Ratio | 13.16% | 17.45% | -4.29% | 44th below |
| Total Capital Ratio | 14.26% | 18.51% | -4.25% | 44th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.53% | 11.60% | -1.07% | 51st above |
| Equity / Assets | 10.15% | 11.33% | -1.18% | 45th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.09% | 10.65% | -0.56% | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.98% | 86.35% | +4.63% | 42nd below |
| Core Deposit Ratio | 88.54% | 85.55% | +2.99% | 50th above |
| Uninsured Deposit Ratio | 40.25% | 32.70% | +7.55% | 26th below |
| Wholesale Funding Ratio | 6.66% | 5.45% | +1.21% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.32% | 10.46% | -8.14% | 31st below |
| Loan Growth (Y/Y) | 4.90% | 8.00% | -3.10% | 46th below |
| Deposit Growth (Y/Y) | -3.07% | 7.99% | -11.06% | 8th bottom |
See First Reliance Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Reliance 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 Reliance Bank profile, how to read a UBPR, or how this data updates.