The First State Bank of Healy: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First State Bank of Healy of Healy, KS against its peer group of 2603 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 | 1.53% | 1.34% | +0.19% | 65th above |
| ROAE | 10.62% | 13.32% | -2.70% | 40th below |
| Net Interest Margin | 3.29% | 3.93% | -0.64% | 19th bottom |
| Efficiency Ratio | 52.84% | 61.13% | -8.29% | 75th top |
| PPNR / Avg Assets | 1.43% | 1.68% | -0.25% | 41st below |
| Yield on Earning Assets | 5.31% | 5.67% | -0.36% | 36th below |
| Cost of Funds | 2.32% | 1.88% | +0.44% | 21st bottom |
| Net Interest Spread | 2.65% | 3.32% | -0.67% | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.18% | 0.94% | +1.24% | 11th bottom |
| NPA / Total Assets | 1.41% | 0.70% | +0.71% | 13th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.71% | 1.28% | +0.43% | 88th top |
| ACL / NPLs (Coverage) | 78.51% | 1546.29% | -1467.78% | 21st bottom |
| Texas Ratio | 8.88% | 7.34% | +1.54% | 25th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.77% | 12.14% | +4.63% | 92nd top |
| Equity / Assets | 14.87% | 11.36% | +3.51% | 88th top |
| TCE / Tangible Assets | 14.87% | 11.08% | +3.79% | 89th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.74% | 80.66% | -3.92% | 58th above |
| Core Deposit Ratio | 71.84% | 86.85% | -15.01% | 6th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.76% | 5.04% | -0.28% | 40th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -8.42% | 6.84% | -15.26% | 2nd bottom |
| Loan Growth (Y/Y) | -13.86% | 7.92% | -21.78% | 1st bottom |
| Deposit Growth (Y/Y) | -8.19% | 6.29% | -14.48% | 3rd bottom |
See The First State Bank of Healy's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First State Bank of Healy, 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 The First State Bank of Healy profile, how to read a UBPR, or how this data updates.