The First State Bank of Malta: 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 Malta of Malta, MT 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 | 1.17% | 1.35% | -0.18% | 43rd below |
| ROAE | 9.45% | 12.06% | -2.61% | 33rd below |
| Net Interest Margin | 3.02% | 3.90% | -0.88% | 10th bottom |
| Efficiency Ratio | 51.05% | 63.15% | -12.10% | 79th top |
| PPNR / Avg Assets | 1.50% | 1.64% | -0.14% | 44th below |
| Yield on Earning Assets | 4.69% | 5.65% | -0.96% | 13th bottom |
| Cost of Funds | 1.90% | 1.85% | +0.05% | 43rd below |
| Net Interest Spread | 2.31% | 3.35% | -1.04% | 9th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 6.17% | 0.92% | +5.25% | 2nd bottom |
| NPA / Total Assets | 2.24% | 0.67% | +1.57% | 6th bottom |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 88th top |
| ACL / Total Loans | 2.81% | 1.28% | +1.53% | 98th top |
| ACL / NPLs (Coverage) | 45.52% | 1645.82% | -1600.30% | 9th bottom |
| Texas Ratio | 16.59% | 7.15% | +9.44% | 11th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.36% | 12.46% | +1.90% | 83rd top |
| Equity / Assets | 12.47% | 11.67% | +0.80% | 75th top |
| TCE / Tangible Assets | 12.47% | 11.40% | +1.07% | 77th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 41.73% | 78.66% | -36.93% | 95th top |
| Core Deposit Ratio | 90.21% | 87.09% | +3.12% | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.27% | 6.47% | +1.80% | 76th top |
| Loan Growth (Y/Y) | -1.93% | 7.64% | -9.57% | 16th bottom |
| Deposit Growth (Y/Y) | 8.51% | 6.02% | +2.49% | 78th top |
See The First State Bank of Malta's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First State Bank of Malta, 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 Malta profile, how to read a UBPR, or how this data updates.