First State Bank of Blakely: 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 Blakely of Blakely, GA 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 | 1.86% | 1.35% | +0.51% | 81st top |
| ROAE | 9.73% | 12.05% | -2.32% | 34th below |
| Net Interest Margin | 5.01% | 3.90% | +1.11% | 92nd top |
| Efficiency Ratio | 49.96% | 63.15% | -13.19% | 81st top |
| PPNR / Avg Assets | 2.68% | 1.64% | +1.04% | 92nd top |
| Yield on Earning Assets | 6.70% | 5.65% | +1.05% | 91st top |
| Cost of Funds | 1.97% | 1.85% | +0.12% | 39th below |
| Net Interest Spread | 4.11% | 3.35% | +0.76% | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.48% | 0.92% | +2.56% | 5th bottom |
| NPA / Total Assets | 2.55% | 0.67% | +1.88% | 5th bottom |
| NCO / Avg Loans | -0.03% | 0.15% | -0.18% | 93rd top |
| ACL / Total Loans | 1.47% | 1.28% | +0.19% | 76th top |
| ACL / NPLs (Coverage) | 42.26% | 1645.82% | -1603.56% | 8th bottom |
| Texas Ratio | 12.81% | 7.15% | +5.66% | 16th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 27.02% | 20.82% | +6.20% | 91st top |
| Tier 1 Ratio | 27.02% | 20.86% | +6.16% | 91st top |
| Total Capital Ratio | 28.27% | 21.93% | +6.34% | 91st top |
| Leverage Ratio | 19.19% | 12.46% | +6.73% | 95th top |
| Equity / Assets | 19.48% | 11.67% | +7.81% | 96th top |
| TCE / Tangible Assets | 19.36% | 11.40% | +7.96% | 96th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.26% | 78.64% | +6.62% | 40th below |
| Core Deposit Ratio | 83.27% | 87.10% | -3.83% | 25th below |
| Wholesale Funding Ratio | 0.15% | 5.12% | -4.97% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.05% | 6.48% | -4.43% | 33rd below |
| Loan Growth (Y/Y) | -1.03% | 7.64% | -8.67% | 19th bottom |
| Deposit Growth (Y/Y) | 2.71% | 6.02% | -3.31% | 41st below |
See First State Bank of Blakely'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 of Blakely, 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 of Blakely profile, how to read a UBPR, or how this data updates.