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 Russellville, AR 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 | 0.89% | 1.25% | -0.36% | 26th below |
| ROAE | 6.68% | 12.22% | -5.54% | 19th bottom |
| Net Interest Margin | 3.73% | 3.95% | -0.22% | 38th below |
| Efficiency Ratio | -1169.43% | 63.71% | -1233.14% | — |
| PPNR / Avg Assets | 1.10% | — | — | 24th bottom |
| Yield on Earning Assets | 5.85% | 5.67% | +0.18% | 61st above |
| Cost of Funds | 0.07% | 1.87% | -1.80% | 100th top |
| Net Interest Spread | 5.76% | — | — | 99th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.88% | -0.84% | 80th top |
| NPA / Total Assets | 0.03% | — | — | 81st top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 80th top |
| ACL / Total Loans | 1.13% | — | — | 41st below |
| ACL / NPLs (Coverage) | 2516.99% | — | — | — |
| Texas Ratio | 0.29% | 5.96% | -5.67% | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.08% | 17.18% | -2.10% | 49th below |
| Tier 1 Ratio | 15.08% | 17.21% | -2.13% | 49th below |
| Total Capital Ratio | 16.26% | — | — | 50th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.42% | 11.75% | -0.33% | 56th above |
| Equity / Assets | 16.35% | 10.98% | +5.37% | 92nd top |
| TCE / Tangible Assets | 10.52% | — | — | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.10% | 80.44% | +3.66% | 43rd below |
| Core Deposit Ratio | 80.76% | 86.95% | -6.19% | 18th bottom |
| Wholesale Funding Ratio | 0.64% | — | — | 88th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.22% | — | — | 86th top |
| Loan Growth (Y/Y) | 12.68% | — | — | 81st top |
| Deposit Growth (Y/Y) | 3.64% | — | — | 47th below |
See First State Bank's peers by name
The 2757 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.