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 Loomis, NE 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 | 1.96% | 1.25% | +0.71% | 84th top |
| ROAE | 14.96% | 12.22% | +2.74% | 65th above |
| Net Interest Margin | 4.47% | 3.95% | +0.52% | 77th top |
| Efficiency Ratio | 41.73% | 63.71% | -21.98% | 93rd top |
| PPNR / Avg Assets | 2.51% | — | — | 89th top |
| Yield on Earning Assets | 5.86% | 5.67% | +0.19% | 62nd above |
| Cost of Funds | 1.51% | 1.87% | -0.36% | 69th above |
| Net Interest Spread | 3.76% | — | — | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.88% | -0.87% | 83rd top |
| NPA / Total Assets | 0.01% | — | — | 84th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.18% | — | — | 48th below |
| ACL / NPLs (Coverage) | 12975.00% | — | — | — |
| Texas Ratio | 0.06% | 5.96% | -5.90% | 87th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.49% | 17.18% | -3.69% | 34th below |
| Tier 1 Ratio | 13.49% | 17.21% | -3.72% | 33rd below |
| Total Capital Ratio | 14.53% | — | — | 32nd below |
| Leverage Ratio | 11.76% | 11.75% | +0.01% | 62nd above |
| Equity / Assets | 13.36% | 10.98% | +2.38% | 80th top |
| TCE / Tangible Assets | 11.49% | — | — | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.26% | 80.44% | +9.82% | 28th below |
| Core Deposit Ratio | 90.11% | 86.95% | +3.16% | 55th above |
| Wholesale Funding Ratio | 2.19% | — | — | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.39% | — | — | 71st above |
| Loan Growth (Y/Y) | 11.20% | — | — | 76th top |
| Deposit Growth (Y/Y) | 7.46% | — | — | 73rd above |
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.