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 Winchester, OH 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 | 1.04% | 1.34% | -0.30% | 30th below |
| ROAE | 12.28% | 12.40% | -0.12% | 48th below |
| Net Interest Margin | 3.17% | 3.83% | -0.66% | 20th bottom |
| Efficiency Ratio | 60.37% | 57.84% | +2.53% | 42nd below |
| PPNR / Avg Assets | 1.27% | — | — | 24th bottom |
| Yield on Earning Assets | 5.05% | 5.71% | -0.66% | 22nd bottom |
| Cost of Funds | 2.06% | 2.02% | +0.04% | 47th below |
| Net Interest Spread | 2.68% | — | — | 28th 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. | 0.92% | 1.00% | -0.08% | 36th below |
| NPA / Total Assets | 0.43% | — | — | 54th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.43% | -0.37% | 39th below |
| ACL / Total Loans | 1.43% | — | — | 82nd top |
| ACL / NPLs (Coverage) | 156.38% | — | — | 45th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.31% | 5.47% | -1.16% | 43rd below |
| Provision / NCO | 622.97% | — | — | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 17.38% | 14.99% | +2.39% | 84th top |
| Tier 1 Ratio | 17.38% | 15.02% | +2.36% | 84th top |
| Total Capital Ratio | 18.48% | — | — | 84th top |
| Leverage Ratio | 10.47% | 11.11% | -0.64% | 49th below |
| Equity / Assets | 8.74% | 11.02% | -2.28% | 17th bottom |
| TCE / Tangible Assets | 8.70% | — | — | 25th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 52.30% | 86.99% | -34.69% | 96th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.66% | 85.57% | +2.09% | 44th below |
| Uninsured Deposit Ratio | 25.02% | 33.19% | -8.17% | 71st above |
| Wholesale Funding Ratio | 2.19% | — | — | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.71% | — | — | 77th top |
| Loan Growth (Y/Y) | 6.57% | — | — | 55th above |
| Deposit Growth (Y/Y) | 5.03% | — | — | 50th above |
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.