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 Union Star, MO against its peer group of 578 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 | 1.15% | 0.85% | +0.30% | 55th above |
| ROAE | 14.75% | 5.23% | +9.52% | 79th top |
| Net Interest Margin | 4.68% | 3.94% | +0.74% | 79th top |
| Efficiency Ratio | 57.42% | 76.13% | -18.71% | 75th top |
| PPNR / Avg Assets | 1.96% | — | — | 78th top |
| Yield on Earning Assets | 6.05% | 5.42% | +0.63% | 78th top |
| Cost of Funds | 1.45% | 1.69% | -0.24% | 55th above |
| Net Interest Spread | 4.31% | — | — | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.43% | 1.23% | -0.80% | 51st above |
| NPA / Total Assets | 0.29% | — | — | 45th below |
| NCO / Avg Loans | -0.01% | 0.11% | -0.12% | 81st top |
| ACL / Total Loans | 1.15% | — | — | 42nd below |
| ACL / NPLs (Coverage) | 268.51% | — | — | 68th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.39% | 7.23% | -3.84% | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.95% | 25.12% | -11.17% | 14th bottom |
| Tier 1 Ratio | 13.95% | 25.12% | -11.17% | 14th bottom |
| Total Capital Ratio | 15.20% | — | — | 14th bottom |
| Leverage Ratio | 7.96% | 14.13% | -6.17% | 3rd bottom |
| Equity / Assets | 7.83% | 13.07% | -5.24% | 7th bottom |
| TCE / Tangible Assets | 7.83% | — | — | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.30% | 68.58% | +5.72% | 40th below |
| Core Deposit Ratio | 92.19% | 88.79% | +3.40% | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.39% | — | — | 57th above |
| Loan Growth (Y/Y) | 3.68% | — | — | 54th above |
| Deposit Growth (Y/Y) | 4.18% | — | — | 60th above |
See First Security Bank's peers by name
The 578 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.