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 Irvington, KY 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 | 1.60% | 1.25% | +0.35% | 68th above |
| ROAE | 16.39% | 13.17% | +3.22% | 73rd above |
| Net Interest Margin | 3.91% | 3.95% | -0.04% | 48th below |
| Efficiency Ratio | 47.39% | 61.50% | -14.11% | 86th top |
| PPNR / Avg Assets | 2.12% | — | — | 77th top |
| Yield on Earning Assets | 5.69% | 5.67% | +0.02% | 54th above |
| Cost of Funds | 1.95% | 1.87% | +0.08% | 40th below |
| Net Interest Spread | 3.00% | — | — | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.13% | 0.93% | +0.20% | 25th below |
| NPA / Total Assets | 0.81% | — | — | 26th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 37th below |
| ACL / Total Loans | 0.25% | — | — | 1st bottom |
| ACL / NPLs (Coverage) | 22.26% | — | — | 1st bottom |
| Texas Ratio | 9.12% | 6.06% | +3.06% | 20th bottom |
| Provision / NCO | 170.45% | — | — | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.50% | 17.18% | -0.68% | 61st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.50% | 17.21% | -0.71% | 60th above |
| Total Capital Ratio | 16.76% | — | — | 55th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.23% | 11.75% | -0.52% | 54th above |
| Equity / Assets | 10.29% | 10.98% | -0.69% | 49th below |
| TCE / Tangible Assets | 10.29% | — | — | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.42% | 80.44% | +0.98% | 49th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.59% | 86.95% | +0.64% | 42nd below |
| Wholesale Funding Ratio | 0.58% | — | — | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 15.00% | — | — | 91st top |
| Loan Growth (Y/Y) | 6.11% | — | — | 54th above |
| Deposit Growth (Y/Y) | 18.89% | — | — | 94th 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.