First Security Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Security Bank of Byron, MN against its peer group of 2757 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 | 1.79% | 1.25% | +0.54% | 77th top |
| ROAE | 25.33% | 12.22% | +13.11% | 96th top |
| Net Interest Margin | 3.79% | 3.95% | -0.16% | 41st below |
| Efficiency Ratio | 50.79% | 63.71% | -12.92% | 79th top |
| PPNR / Avg Assets | 1.84% | — | — | 64th above |
| Yield on Earning Assets | 6.37% | 5.67% | +0.70% | 83rd top |
| Cost of Funds | 2.61% | 1.87% | +0.74% | 12th bottom |
| Net Interest Spread | 3.21% | — | — | 43rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.63% | 0.88% | +1.75% | 8th bottom |
| NPA / Total Assets | 1.98% | — | — | 7th bottom |
| NCO / Avg Loans | 0.25% | 0.15% | +0.10% | 10th bottom |
| ACL / Total Loans | 1.37% | — | — | 69th above |
| ACL / NPLs (Coverage) | 52.05% | — | — | 11th bottom |
| Texas Ratio | 24.50% | 5.96% | +18.54% | 3rd bottom |
| Provision / NCO | 23.68% | — | — | 26th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.82% | 17.18% | -6.36% | 7th bottom |
| Tier 1 Ratio | 10.82% | 17.21% | -6.39% | 7th bottom |
| Total Capital Ratio | 12.08% | — | — | 8th bottom |
| Leverage Ratio | 7.93% | 11.75% | -3.82% | 2nd bottom |
| Equity / Assets | 7.03% | 10.98% | -3.95% | 6th bottom |
| TCE / Tangible Assets | 7.03% | — | — | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.00% | 80.44% | +19.56% | 12th bottom |
| Core Deposit Ratio | 69.39% | 86.95% | -17.56% | 5th bottom |
| Wholesale Funding Ratio | 17.47% | — | — | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.81% | — | — | 60th above |
| Loan Growth (Y/Y) | 2.78% | — | — | 34th below |
| Deposit Growth (Y/Y) | 7.05% | — | — | 70th above |
See First Security Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Security 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 Security 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 Security Bank peer analysis.