First State Bank in Temple: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First State Bank in Temple of Temple, 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 | 1.09% | 0.85% | +0.24% | 51st above |
| ROAE Ahead of the peer average, behind the median peer. | 6.54% | 5.23% | +1.31% | 37th below |
| Net Interest Margin | 3.37% | 3.94% | -0.57% | 26th below |
| Efficiency Ratio | 65.61% | 76.13% | -10.52% | 59th above |
| PPNR / Avg Assets | 1.09% | — | — | 42nd below |
| Yield on Earning Assets | 4.87% | 5.42% | -0.55% | 35th below |
| Cost of Funds | 2.03% | 1.69% | +0.34% | 27th below |
| Net Interest Spread | 2.31% | — | — | 15th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 8.60% | 1.23% | +7.37% | 2nd bottom |
| NPA / Total Assets | 3.26% | — | — | 4th bottom |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 2.60% | — | — | 90th top |
| ACL / NPLs (Coverage) | 30.23% | — | — | 7th bottom |
| Texas Ratio | 17.23% | 7.23% | +10.00% | 8th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 22.19% | 14.13% | +8.06% | 83rd top |
| Equity / Assets | 17.95% | 13.07% | +4.88% | 76th top |
| TCE / Tangible Assets | 17.83% | — | — | 77th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 46.39% | 68.58% | -22.19% | 74th above |
| Core Deposit Ratio | 88.70% | 88.79% | -0.09% | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.05% | — | — | 37th below |
| Loan Growth (Y/Y) | 38.58% | — | — | 96th top |
| Deposit Growth (Y/Y) | -0.96% | — | — | 27th below |
See First State Bank in Temple'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 in Temple, 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 in Temple 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 in Temple peer analysis.