First Security State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Security State Bank of Evansdale, IA 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. | 1.05% | 0.85% | +0.20% | 49th below |
| ROAE Ahead of the peer average, behind the median peer. | 7.48% | 5.23% | +2.25% | 43rd below |
| Net Interest Margin | 3.79% | 3.94% | -0.15% | 45th below |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 72.43% | 76.13% | -3.70% | 44th below |
| PPNR / Avg Assets | 1.09% | — | — | 42nd below |
| Yield on Earning Assets | 5.43% | 5.42% | +0.01% | 60th above |
| Cost of Funds | 1.90% | 1.69% | +0.21% | 32nd below |
| Net Interest Spread | 3.09% | — | — | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.11% | 1.23% | +1.88% | 11th bottom |
| NPA / Total Assets | 2.22% | — | — | 8th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.11% | -0.07% | 21st bottom |
| ACL / Total Loans | 1.04% | — | — | 32nd below |
| ACL / NPLs (Coverage) | 33.35% | — | — | 9th bottom |
| Texas Ratio | 14.81% | 7.23% | +7.58% | 10th bottom |
| Provision / NCO | -16.67% | — | — | 1st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.90% | 14.13% | +0.77% | 64th above |
| Equity / Assets | 14.24% | 13.07% | +1.17% | 63rd above |
| TCE / Tangible Assets | 14.24% | — | — | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.94% | 68.58% | +15.36% | 25th below |
| Core Deposit Ratio | 85.66% | 88.79% | -3.13% | 27th below |
| Wholesale Funding Ratio | 0.46% | — | — | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.45% | — | — | 9th bottom |
| Loan Growth (Y/Y) | 7.77% | — | — | 71st above |
| Deposit Growth (Y/Y) | -6.80% | — | — | 8th bottom |
See First Security State 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 State 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 State 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 State Bank peer analysis.