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 Belmond, IA 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 | 0.66% | 1.25% | -0.59% | 16th bottom |
| ROAE | 7.01% | 12.22% | -5.21% | 20th bottom |
| Net Interest Margin | 2.31% | 3.95% | -1.64% | 2nd bottom |
| Efficiency Ratio | 59.64% | 63.71% | -4.07% | 55th above |
| PPNR / Avg Assets | 1.00% | — | — | 20th bottom |
| Yield on Earning Assets | 4.29% | 5.67% | -1.38% | 5th bottom |
| Cost of Funds | 2.30% | 1.87% | +0.43% | 21st bottom |
| Net Interest Spread | 1.78% | — | — | 3rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.92% | 0.88% | +0.04% | 30th below |
| NPA / Total Assets | 0.41% | — | — | 43rd below |
| NCO / Avg Loans | -0.02% | 0.15% | -0.17% | 92nd top |
| ACL / Total Loans | 1.05% | — | — | 32nd below |
| ACL / NPLs (Coverage) | 113.89% | — | — | 30th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.10% | 5.96% | -1.86% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.23% | 11.75% | -0.52% | 54th above |
| Equity / Assets | 9.45% | 10.98% | -1.53% | 34th below |
| TCE / Tangible Assets | 9.45% | — | — | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 53.14% | 80.44% | -27.30% | 90th top |
| Core Deposit Ratio | 78.15% | 86.95% | -8.80% | 13th bottom |
| Wholesale Funding Ratio | 5.51% | — | — | 34th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.37% | — | — | 57th above |
| Loan Growth (Y/Y) | 3.57% | — | — | 39th below |
| Deposit Growth (Y/Y) | 15.83% | — | — | 92nd 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. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First State Bank peer analysis.