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 Valliant, OK 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 | 1.81% | 1.25% | +0.56% | 78th top |
| ROAE | 17.01% | 12.22% | +4.79% | 75th top |
| Net Interest Margin | 6.14% | 3.95% | +2.19% | 99th top |
| Efficiency Ratio | 69.66% | 63.71% | +5.95% | 28th below |
| PPNR / Avg Assets | 1.87% | — | — | 66th above |
| Yield on Earning Assets | 7.12% | 5.67% | +1.45% | 96th top |
| Cost of Funds | 1.03% | 1.87% | -0.84% | 90th top |
| Net Interest Spread | 5.44% | — | — | 99th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.43% | 0.88% | -0.45% | 49th below |
| NPA / Total Assets | 0.29% | — | — | 52nd above |
| NCO / Avg Loans | -1.26% | 0.15% | -1.41% | 100th top |
| ACL / Total Loans | 1.34% | — | — | 67th above |
| ACL / NPLs (Coverage) | 308.30% | — | — | 59th above |
| Texas Ratio | 2.50% | 5.96% | -3.46% | 52nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.40% | 17.18% | -0.78% | 60th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.40% | 17.21% | -0.81% | 60th above |
| Total Capital Ratio | 17.65% | — | — | 61st above |
| Leverage Ratio | 10.91% | 11.75% | -0.84% | 49th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.63% | 10.98% | -0.35% | 54th above |
| TCE / Tangible Assets | 10.63% | — | — | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.90% | 80.44% | -5.54% | 62nd above |
| Core Deposit Ratio | 94.83% | 86.95% | +7.88% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.62% | — | — | 11th bottom |
| Loan Growth (Y/Y) | -1.40% | — | — | 16th bottom |
| Deposit Growth (Y/Y) | -2.54% | — | — | 12th bottom |
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.