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 New London, WI 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 | 0.97% | 1.25% | -0.28% | 31st below |
| ROAE | 11.07% | 12.22% | -1.15% | 41st below |
| Net Interest Margin | 3.95% | 3.95% | +0.00% | 50th above |
| Efficiency Ratio | 67.70% | 63.71% | +3.99% | 33rd below |
| PPNR / Avg Assets | 1.21% | — | — | 28th below |
| Yield on Earning Assets | 5.44% | 5.67% | -0.23% | 42nd below |
| Cost of Funds | 1.59% | 1.87% | -0.28% | 64th above |
| Net Interest Spread | 3.53% | — | — | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 0.88% | -0.76% | 73rd above |
| NPA / Total Assets | 0.08% | — | — | 73rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 38th below |
| ACL / Total Loans | 1.01% | — | — | 27th below |
| ACL / NPLs (Coverage) | 852.46% | — | — | 79th top |
| Texas Ratio | 0.89% | 5.96% | -5.07% | 70th above |
| Provision / NCO | 625.00% | — | — | 77th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.80% | 11.75% | -1.95% | 27th below |
| Equity / Assets | 8.94% | 10.98% | -2.04% | 26th below |
| TCE / Tangible Assets | 8.68% | — | — | 25th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.99% | 80.44% | +7.55% | 33rd below |
| Core Deposit Ratio | 93.28% | 86.95% | +6.33% | 75th top |
| Wholesale Funding Ratio | 9.95% | — | — | 14th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.71% | — | — | 66th above |
| Loan Growth (Y/Y) | 17.16% | — | — | 89th top |
| Deposit Growth (Y/Y) | 2.73% | — | — | 40th below |
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.