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 Tahlequah, OK against its peer group of 578 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 | 0.16% | 0.85% | -0.69% | 14th bottom |
| ROAE | 1.82% | 5.23% | -3.41% | 17th bottom |
| Net Interest Margin | 3.60% | 3.94% | -0.34% | 35th below |
| Efficiency Ratio | 77.63% | 74.96% | +2.67% | 34th below |
| PPNR / Avg Assets | 0.78% | — | — | 27th below |
| Yield on Earning Assets | 5.92% | 5.42% | +0.50% | 74th above |
| Cost of Funds | 2.55% | 1.69% | +0.86% | 15th bottom |
| Net Interest Spread | 2.91% | — | — | 31st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.75% | 1.34% | +1.41% | 11th bottom |
| NPA / Total Assets | 2.38% | — | — | 6th bottom |
| NCO / Avg Loans | 1.13% | 0.11% | +1.02% | 3rd bottom |
| ACL / Total Loans | 1.45% | — | — | 64th above |
| ACL / NPLs (Coverage) | 52.66% | — | — | 19th bottom |
| Texas Ratio | 14.08% | 7.23% | +6.85% | 11th bottom |
| Provision / NCO | 115.58% | — | — | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.37% | 14.13% | -3.76% | 21st bottom |
| Equity / Assets | 8.84% | 13.07% | -4.23% | 14th bottom |
| TCE / Tangible Assets | 8.84% | — | — | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.21% | 68.58% | +1.63% | 45th below |
| Core Deposit Ratio | 91.53% | 88.79% | +2.74% | 50th above |
| Wholesale Funding Ratio | 0.61% | — | — | 88th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.40% | — | — | 21st bottom |
| Loan Growth (Y/Y) | -0.76% | — | — | 36th below |
| Deposit Growth (Y/Y) | -1.50% | — | — | 24th bottom |
See First State Bank's peers by name
The 578 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.