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 Waynesboro, MS 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 | 0.34% | 1.25% | -0.91% | 8th bottom |
| ROAE | 3.50% | 13.17% | -9.67% | 9th bottom |
| Net Interest Margin | 2.83% | 3.95% | -1.12% | 6th bottom |
| Efficiency Ratio | 81.58% | 61.50% | +20.08% | 11th bottom |
| PPNR / Avg Assets | 0.58% | — | — | 9th bottom |
| Yield on Earning Assets | 4.84% | 5.67% | -0.83% | 17th bottom |
| Cost of Funds | 1.91% | 1.87% | +0.04% | 42nd below |
| Net Interest Spread | 2.22% | — | — | 6th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.27% | 0.93% | +0.34% | 22nd bottom |
| NPA / Total Assets | 1.01% | — | — | 20th bottom |
| NCO / Avg Loans | 0.15% | 0.15% | +0.00% | 15th bottom |
| ACL / Total Loans | 0.89% | — | — | 16th bottom |
| ACL / NPLs (Coverage) | 70.07% | — | — | 18th bottom |
| Texas Ratio | 10.48% | 6.06% | +4.42% | 17th bottom |
| Provision / NCO | 160.87% | — | — | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.67% | 11.75% | -1.08% | 44th below |
| Equity / Assets | 9.62% | 10.98% | -1.36% | 37th below |
| TCE / Tangible Assets | 8.77% | — | — | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.33% | 80.44% | -16.11% | 79th top |
| Core Deposit Ratio | 86.57% | 86.95% | -0.38% | 37th below |
| Wholesale Funding Ratio | 2.65% | — | — | 60th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.73% | — | — | 44th below |
| Loan Growth (Y/Y) | 20.00% | — | — | 92nd top |
| Deposit Growth (Y/Y) | 0.55% | — | — | 26th 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.