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 Stuart, IA 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 | 1.16% | 1.25% | -0.09% | 41st below |
| ROAE | 9.84% | 12.22% | -2.38% | 34th below |
| Net Interest Margin | 3.74% | 3.95% | -0.21% | 39th below |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 62.01% | 63.71% | -1.70% | 47th below |
| PPNR / Avg Assets | 1.52% | — | — | 45th below |
| Yield on Earning Assets | 4.81% | 5.67% | -0.86% | 16th bottom |
| Cost of Funds | 1.22% | 1.87% | -0.65% | 84th top |
| Net Interest Spread | 2.92% | — | — | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.88% | -0.85% | 82nd top |
| NPA / Total Assets | 0.01% | — | — | 85th top |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 89th top |
| ACL / Total Loans | 2.18% | — | — | 95th top |
| ACL / NPLs (Coverage) | 6342.11% | — | — | — |
| Texas Ratio | 0.11% | 5.96% | -5.85% | 85th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 27.80% | 17.18% | +10.62% | 91st top |
| Tier 1 Ratio | 27.80% | 17.21% | +10.59% | 91st top |
| Total Capital Ratio | 29.07% | — | — | 91st top |
| Leverage Ratio | 11.95% | 11.75% | +0.20% | 64th above |
| Equity / Assets | 12.03% | 10.98% | +1.05% | 71st above |
| TCE / Tangible Assets | 12.03% | — | — | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 48.56% | 80.44% | -31.88% | 93rd top |
| Core Deposit Ratio | 95.17% | 86.95% | +8.22% | 85th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.12% | — | — | 62nd above |
| Loan Growth (Y/Y) | -10.41% | — | — | 2nd bottom |
| Deposit Growth (Y/Y) | 6.00% | — | — | 64th 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.