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 Buxton, ND 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 | 2.06% | 1.25% | +0.81% | 87th top |
| ROAE | 21.14% | 12.22% | +8.92% | 89th top |
| Net Interest Margin | 4.25% | 3.95% | +0.30% | 67th above |
| Efficiency Ratio | 46.67% | 63.71% | -17.04% | 87th top |
| PPNR / Avg Assets | 2.46% | — | — | 88th top |
| Yield on Earning Assets | 6.38% | 5.67% | +0.71% | 83rd top |
| Cost of Funds | 2.41% | 1.87% | +0.54% | 18th bottom |
| Net Interest Spread | 3.66% | — | — | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 94th top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans | 0.27% | 0.15% | +0.12% | 10th bottom |
| ACL / Total Loans | 1.18% | — | — | 48th below |
| Texas Ratio | 0.00% | 5.96% | -5.96% | 94th top |
| Provision / NCO | 178.49% | — | — | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.83% | 11.75% | -1.92% | 27th below |
| Equity / Assets | 9.71% | 10.98% | -1.27% | 39th below |
| TCE / Tangible Assets | 9.65% | — | — | 42nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 105.62% | 80.44% | +25.18% | 6th bottom |
| Core Deposit Ratio | 90.83% | 86.95% | +3.88% | 60th above |
| Wholesale Funding Ratio | 1.52% | — | — | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.37% | — | — | 71st above |
| Loan Growth (Y/Y) | 9.23% | — | — | 70th above |
| Deposit Growth (Y/Y) | 6.47% | — | — | 66th above |
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.