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 Watonga, OK against its peer group of 578 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 | 2.02% | 0.85% | +1.17% | 82nd top |
| ROAE | 18.15% | 5.23% | +12.92% | 88th top |
| Net Interest Margin | 4.57% | 3.94% | +0.63% | 77th top |
| Efficiency Ratio | 56.21% | 76.13% | -19.92% | 78th top |
| PPNR / Avg Assets | 2.11% | — | — | 82nd top |
| Yield on Earning Assets | 6.03% | 5.42% | +0.61% | 77th top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.63% | 1.69% | -0.06% | 46th below |
| Net Interest Spread | 3.75% | — | — | 67th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.28% | 1.23% | +0.05% | 31st below |
| NPA / Total Assets | 0.71% | — | — | 29th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.11% | -0.09% | 25th below |
| ACL / Total Loans | 2.70% | — | — | 90th top |
| ACL / NPLs (Coverage) | 210.97% | — | — | 63rd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.58% | 7.23% | -1.65% | 29th below |
| Provision / NCO | 1000.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.18% | 14.13% | -0.95% | 51st above |
| Equity / Assets | 11.24% | 13.07% | -1.83% | 37th below |
| TCE / Tangible Assets | 11.24% | — | — | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.98% | 68.58% | -5.60% | 56th above |
| Core Deposit Ratio | 93.28% | 88.79% | +4.49% | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.41% | — | — | 68th above |
| Loan Growth (Y/Y) | 12.47% | — | — | 81st top |
| Deposit Growth (Y/Y) | 6.02% | — | — | 68th above |
See First State Bank's peers by name
The 578 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.