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 Key West, FL 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 | 0.51% | 1.34% | -0.83% | 8th bottom |
| ROAE | 5.72% | 12.34% | -6.62% | 10th bottom |
| Net Interest Margin | 3.39% | 3.83% | -0.44% | 30th below |
| Efficiency Ratio | 81.85% | 58.97% | +22.88% | 5th bottom |
| PPNR / Avg Assets | 0.66% | — | — | 5th bottom |
| Yield on Earning Assets | 5.08% | 5.71% | -0.63% | 24th bottom |
| Cost of Funds | 1.88% | 2.02% | -0.14% | 57th above |
| Net Interest Spread | 2.66% | — | — | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 0.87% | -0.72% | 82nd top |
| NPA / Total Assets | 0.10% | — | — | 85th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 88th top |
| ACL / Total Loans | 1.17% | — | — | 53rd above |
| ACL / NPLs (Coverage) | 773.28% | — | — | 84th top |
| Texas Ratio | 1.06% | 5.48% | -4.42% | 82nd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 16.00% | 14.99% | +1.01% | 77th top |
| Tier 1 Ratio | 16.00% | 15.02% | +0.98% | 77th top |
| Total Capital Ratio | 17.25% | — | — | 79th top |
| Leverage Ratio | 10.32% | 11.11% | -0.79% | 45th below |
| Equity / Assets | 8.85% | 11.02% | -2.17% | 19th bottom |
| TCE / Tangible Assets | 8.85% | — | — | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.36% | 86.99% | -11.63% | 77th top |
| Core Deposit Ratio | 90.10% | 85.57% | +4.53% | 59th above |
| Uninsured Deposit Ratio | 37.99% | 33.19% | +4.80% | 32nd below |
| Wholesale Funding Ratio | 1.07% | — | — | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.09% | — | — | 27th below |
| Loan Growth (Y/Y) | -2.86% | — | — | 8th bottom |
| Deposit Growth (Y/Y) | 2.26% | — | — | 32nd 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.