First State Bank of Middlebury: 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 Middlebury of Middlebury, IN 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 | 1.60% | 1.34% | +0.26% | 68th above |
| ROAE | 14.10% | 13.31% | +0.79% | 61st above |
| Net Interest Margin | 4.21% | 3.93% | +0.28% | 65th above |
| Efficiency Ratio | 56.82% | 61.14% | -4.32% | 64th above |
| PPNR / Avg Assets | 1.97% | 1.68% | +0.29% | 71st above |
| Yield on Earning Assets | 5.86% | 5.67% | +0.19% | 62nd above |
| Cost of Funds | 1.78% | 1.88% | -0.10% | 51st above |
| Net Interest Spread | 3.66% | 3.32% | +0.34% | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.52% | 0.94% | +0.58% | 18th bottom |
| NPA / Total Assets | 1.20% | 0.70% | +0.50% | 16th bottom |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 89th top |
| ACL / Total Loans | 1.65% | 1.28% | +0.37% | 86th top |
| ACL / NPLs (Coverage) | 108.44% | 1539.94% | -1431.50% | 30th below |
| Texas Ratio | 9.62% | 7.33% | +2.29% | 23rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.45% | 19.51% | -3.06% | 60th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.45% | 19.54% | -3.09% | 60th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.70% | 20.63% | -2.93% | 61st above |
| Leverage Ratio | 13.37% | 12.14% | +1.23% | 77th top |
| Equity / Assets | 11.62% | 11.37% | +0.25% | 67th above |
| TCE / Tangible Assets | 11.61% | 11.09% | +0.52% | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.16% | 80.62% | +20.54% | 10th bottom |
| Core Deposit Ratio | 91.53% | 86.86% | +4.67% | 64th above |
| Wholesale Funding Ratio | 9.16% | 5.03% | +4.13% | 17th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.08% | 6.86% | -3.78% | 40th below |
| Loan Growth (Y/Y) | 3.59% | 7.91% | -4.32% | 40th below |
| Deposit Growth (Y/Y) | -3.08% | 6.30% | -9.38% | 10th bottom |
See First State Bank of Middlebury'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 Middlebury, 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 Middlebury profile, how to read a UBPR, or how this data updates.