First State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First State Bank of Eastpointe, MI against its peer group of 941 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 | 1.27% | 1.34% | -0.07% | 47th below |
| ROAE | 13.18% | 12.34% | +0.84% | 55th above |
| Net Interest Margin | 3.56% | 3.83% | -0.27% | 38th below |
| Efficiency Ratio | 62.50% | 58.97% | +3.53% | 36th below |
| PPNR / Avg Assets | 1.67% | — | — | 45th below |
| Yield on Earning Assets | 5.42% | 5.71% | -0.29% | 43rd below |
| Cost of Funds | 2.09% | 2.02% | +0.07% | 44th below |
| Net Interest Spread | 2.97% | — | — | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.81% | 0.87% | -0.06% | 34th below |
| NPA / Total Assets | 0.66% | — | — | 34th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.12% | 0.43% | -0.31% | 25th below |
| ACL / Total Loans | 1.29% | — | — | 67th above |
| ACL / NPLs (Coverage) | 158.83% | — | — | 40th below |
| Texas Ratio | 6.20% | 5.48% | +0.72% | 31st below |
| Provision / NCO | 95.24% | — | — | 32nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.01% | 11.11% | -1.10% | 37th below |
| Equity / Assets | 9.69% | 11.02% | -1.33% | 36th below |
| TCE / Tangible Assets | 9.69% | — | — | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.88% | 86.99% | -0.11% | 53rd above |
| Core Deposit Ratio | 89.65% | 85.57% | +4.08% | 57th above |
| Uninsured Deposit Ratio | 36.84% | 33.19% | +3.65% | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.58% | — | — | 44th below |
| Loan Growth (Y/Y) | 15.92% | — | — | 87th top |
| Deposit Growth (Y/Y) | 3.93% | — | — | 42nd below |
See First State Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First 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 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 State Bank peer analysis.