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 Noble, 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 Ahead of the peer average, behind the median peer. | 0.97% | 0.85% | +0.12% | 44th below |
| ROAE | 11.03% | 5.23% | +5.80% | 62nd above |
| Net Interest Margin | 4.30% | 3.94% | +0.36% | 68th above |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 74.67% | 74.96% | -0.29% | 39th below |
| PPNR / Avg Assets | 1.14% | — | — | 45th below |
| Yield on Earning Assets | 5.65% | 5.42% | +0.23% | 67th above |
| Cost of Funds | 1.22% | 1.69% | -0.47% | 67th above |
| Net Interest Spread | 3.69% | — | — | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.75% | 1.34% | +2.41% | 8th bottom |
| NPA / Total Assets | 1.06% | — | — | 19th bottom |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.18% | — | — | 44th below |
| ACL / NPLs (Coverage) | 31.39% | — | — | 8th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 2.74% | 7.23% | -4.49% | 43rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.34% | 14.13% | -2.79% | 32nd below |
| Equity / Assets | 7.56% | 13.07% | -5.51% | 5th bottom |
| TCE / Tangible Assets | 7.56% | — | — | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 30.65% | 68.58% | -37.93% | 91st top |
| Core Deposit Ratio | 99.19% | 88.79% | +10.40% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.12% | — | — | 30th below |
| Loan Growth (Y/Y) | 0.37% | — | — | 41st below |
| Deposit Growth (Y/Y) | -0.52% | — | — | 30th below |
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.