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 Britt, IA against its peer group of 2672 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 | 1.52% | 1.35% | +0.17% | 64th above |
| ROAE | 9.31% | 12.06% | -2.75% | 32nd below |
| Net Interest Margin | 2.98% | 3.90% | -0.92% | 9th bottom |
| Efficiency Ratio | 37.08% | 63.16% | -26.08% | 97th top |
| PPNR / Avg Assets | 1.97% | 1.64% | +0.33% | 71st above |
| Yield on Earning Assets | 4.59% | 5.65% | -1.06% | 10th bottom |
| Cost of Funds | 1.90% | 1.85% | +0.05% | 44th below |
| Net Interest Spread | 2.33% | 3.35% | -1.02% | 9th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.24% | 1.28% | -0.04% | 55th above |
| Texas Ratio | 0.00% | 7.15% | -7.15% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.71% | 12.46% | +5.25% | 94th top |
| Equity / Assets | 16.57% | 11.67% | +4.90% | 92nd top |
| TCE / Tangible Assets | 16.57% | 11.40% | +5.17% | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 55.32% | 78.65% | -23.33% | 87th top |
| Core Deposit Ratio | 84.63% | 87.09% | -2.46% | 29th below |
| Wholesale Funding Ratio | 1.58% | 5.11% | -3.53% | 74th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.19% | 6.48% | -7.67% | 13th bottom |
| Loan Growth (Y/Y) | -5.15% | 7.64% | -12.79% | 7th bottom |
| Deposit Growth (Y/Y) | -2.55% | 6.03% | -8.58% | 12th bottom |
See First State Bank's peers by name
The 2672 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.