First Security Bank - West: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Security Bank - West of Beulah, ND 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 Ahead of the peer average, behind the median peer. | 0.98% | 0.85% | +0.13% | 45th below |
| ROAE | 8.87% | 5.23% | +3.64% | 51st above |
| Net Interest Margin | 3.27% | 3.94% | -0.67% | 22nd bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 70.71% | 76.13% | -5.42% | 48th below |
| PPNR / Avg Assets | 0.94% | — | — | 34th below |
| Yield on Earning Assets | 3.99% | 5.42% | -1.43% | 12th bottom |
| Cost of Funds | 0.82% | 1.69% | -0.87% | 87th top |
| Net Interest Spread | 2.85% | — | — | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.65% | 1.23% | +3.42% | 6th bottom |
| NPA / Total Assets | 1.33% | — | — | 17th bottom |
| NCO / Avg Loans | -0.22% | 0.11% | -0.33% | 95th top |
| ACL / Total Loans | 1.22% | — | — | 48th below |
| ACL / NPLs (Coverage) | 26.30% | — | — | 6th bottom |
| Texas Ratio | 11.35% | 7.23% | +4.12% | 15th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 45.99% | 25.12% | +20.87% | 77th top |
| Tier 1 Ratio | 45.99% | 25.12% | +20.87% | 77th top |
| Total Capital Ratio | 47.23% | — | — | 77th top |
| Leverage Ratio | 12.87% | 14.13% | -1.26% | 48th below |
| Equity / Assets | 11.37% | 13.07% | -1.70% | 38th below |
| TCE / Tangible Assets | 11.37% | — | — | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 32.36% | 68.58% | -36.22% | 90th top |
| Core Deposit Ratio | 96.50% | 88.79% | +7.71% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.60% | — | — | 74th above |
| Loan Growth (Y/Y) | -28.86% | — | — | 0th bottom |
| Deposit Growth (Y/Y) | 6.53% | — | — | 71st above |
See First Security Bank - West'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 - West, 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 - West 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 - West peer analysis.