First State Bank of Randolph County: 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 Randolph County of Cuthbert, GA against its peer group of 536 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 | -0.21% | 3.14% | -3.35% | 12th bottom |
| ROAE | -15.69% | 10.48% | -26.17% | 4th bottom |
| Net Interest Margin | 2.49% | 3.93% | -1.44% | 6th bottom |
| Efficiency Ratio | 102.30% | 76.24% | +26.06% | 12th bottom |
| PPNR / Avg Assets | -0.19% | 1.40% | -1.59% | 11th bottom |
| Yield on Earning Assets | 4.16% | 5.35% | -1.19% | 15th bottom |
| Cost of Funds | 1.78% | 1.70% | +0.08% | 38th below |
| Net Interest Spread | 1.82% | 3.32% | -1.50% | 7th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.53% | 1.33% | +3.20% | 5th bottom |
| NPA / Total Assets | 1.60% | 0.71% | +0.89% | 12th bottom |
| NCO / Avg Loans | 0.14% | 0.11% | +0.03% | 13th bottom |
| ACL / Total Loans | 1.05% | 1.49% | -0.44% | 34th below |
| ACL / NPLs (Coverage) | 23.25% | 867.15% | -843.90% | 4th bottom |
| Texas Ratio | 90.49% | 8.06% | +82.43% | 1st bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 100.00% | 315.64% | -215.64% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.14% | 62.10% | -46.96% | 23rd bottom |
| Tier 1 Ratio | 15.14% | 62.10% | -46.96% | 23rd bottom |
| Total Capital Ratio | 15.77% | 63.07% | -47.30% | 21st bottom |
| Leverage Ratio | 8.30% | 17.63% | -9.33% | 5th bottom |
| Equity / Assets | 1.40% | 16.46% | -15.06% | 0th bottom |
| TCE / Tangible Assets | 1.40% | 16.21% | -14.81% | 0th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 36.30% | 72.92% | -36.62% | 87th top |
| Core Deposit Ratio | 91.48% | 88.21% | +3.27% | 50th above |
| Wholesale Funding Ratio | 0.95% | 5.30% | -4.35% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.03% | 4.31% | -3.28% | 40th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.71% | 6.73% | -3.02% | 54th above |
| Deposit Growth (Y/Y) | -1.23% | 3.78% | -5.01% | 28th below |
See First State Bank of Randolph County's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First State Bank of Randolph County, 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 Randolph County profile, how to read a UBPR, or how this data updates.