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 Farnam, 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 | 1.73% | 1.25% | +0.48% | 75th top |
| ROAE | 14.53% | 12.22% | +2.31% | 62nd above |
| Net Interest Margin | 3.14% | 3.95% | -0.81% | 13th bottom |
| Efficiency Ratio | 55.85% | 63.71% | -7.86% | 66th above |
| PPNR / Avg Assets | 1.66% | — | — | 53rd above |
| Yield on Earning Assets | 5.35% | 5.67% | -0.32% | 37th below |
| Cost of Funds | 2.35% | 1.87% | +0.48% | 19th bottom |
| Net Interest Spread | 2.48% | — | — | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.33% | 0.88% | -0.55% | 55th above |
| NPA / Total Assets | 0.16% | — | — | 64th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.59% | — | — | 83rd top |
| ACL / NPLs (Coverage) | 479.82% | — | — | 69th above |
| Texas Ratio | 1.48% | 5.96% | -4.48% | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.94% | 11.75% | +0.19% | 64th above |
| Equity / Assets | 11.84% | 10.98% | +0.86% | 69th above |
| TCE / Tangible Assets | 10.43% | — | — | 55th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.19% | 80.44% | +0.75% | 49th below |
| Core Deposit Ratio | 74.05% | 86.95% | -12.90% | 8th bottom |
| Wholesale Funding Ratio | 26.92% | — | — | 1st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.53% | — | — | 72nd above |
| Loan Growth (Y/Y) | -0.31% | — | — | 21st bottom |
| Deposit Growth (Y/Y) | 14.55% | — | — | 90th top |
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.