First State Bank and Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First State Bank and Trust of Bayport, MN against its peer group of 2672 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 | 1.99% | 1.34% | +0.65% | 85th top |
| ROAE | 23.89% | 13.31% | +10.58% | 94th top |
| Net Interest Margin | 3.75% | 3.93% | -0.18% | 40th below |
| Efficiency Ratio | 63.92% | 61.14% | +2.78% | 42nd below |
| PPNR / Avg Assets | 2.02% | 1.68% | +0.34% | 73rd above |
| Yield on Earning Assets | 5.46% | 5.67% | -0.21% | 43rd below |
| Cost of Funds | 1.77% | 1.88% | -0.11% | 52nd above |
| Net Interest Spread | 3.22% | 3.32% | -0.10% | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.94% | -0.91% | 81st top |
| NPA / Total Assets | 0.02% | 0.70% | -0.68% | 83rd top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 50th above |
| ACL / Total Loans | 1.19% | 1.28% | -0.09% | 49th below |
| ACL / NPLs (Coverage) | 3839.22% | 1537.46% | +2301.76% | — |
| Texas Ratio | 0.23% | 7.33% | -7.10% | 85th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.56% | 19.51% | -5.95% | 34th below |
| Tier 1 Ratio | 13.56% | 19.54% | -5.98% | 34th below |
| Total Capital Ratio | 14.81% | 20.63% | -5.82% | 36th below |
| Leverage Ratio | 8.91% | 12.14% | -3.23% | 11th bottom |
| Equity / Assets | 8.06% | 11.38% | -3.32% | 14th bottom |
| TCE / Tangible Assets | 8.06% | 11.09% | -3.03% | 16th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.42% | 80.64% | -8.22% | 66th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.16% | 86.86% | +1.30% | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 19.78% | 6.85% | +12.93% | 95th top |
| Loan Growth (Y/Y) | 4.84% | 7.90% | -3.06% | 47th below |
| Deposit Growth (Y/Y) | 25.40% | 6.28% | +19.12% | 96th top |
See First State Bank and Trust's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First State Bank and Trust, 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 and Trust profile, how to read a UBPR, or how this data updates.