First State Bank of Roscoe: 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 Roscoe of Roscoe, SD 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 | 1.63% | 1.35% | +0.28% | 70th above |
| ROAE Ahead of the peer average, behind the median peer. | 12.08% | 12.05% | +0.03% | 48th below |
| Net Interest Margin | 3.56% | 3.90% | -0.34% | 30th below |
| Efficiency Ratio | 49.13% | 63.15% | -14.02% | 82nd top |
| PPNR / Avg Assets | 1.71% | 1.64% | +0.07% | 57th above |
| Yield on Earning Assets | 5.29% | 5.65% | -0.36% | 35th below |
| Cost of Funds | 1.87% | 1.85% | +0.02% | 45th below |
| Net Interest Spread | 3.05% | 3.35% | -0.30% | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 0.92% | -0.79% | 70th above |
| NPA / Total Assets | 0.07% | 0.67% | -0.60% | 75th top |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 86th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.28% | -0.06% | 53rd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 954.00% | 1645.43% | -691.43% | 82nd top |
| Texas Ratio | 0.47% | 7.15% | -6.68% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 23.95% | 20.83% | +3.12% | 86th top |
| Tier 1 Ratio | 23.95% | 20.86% | +3.09% | 86th top |
| Total Capital Ratio | 25.05% | 21.93% | +3.12% | 87th top |
| Leverage Ratio | 13.84% | 12.46% | +1.38% | 81st top |
| Equity / Assets | 13.88% | 11.67% | +2.21% | 84th top |
| TCE / Tangible Assets | 13.72% | 11.40% | +2.32% | 84th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.14% | 78.65% | -16.51% | 81st top |
| Core Deposit Ratio | 85.67% | 87.09% | -1.42% | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.44% | 6.47% | -0.03% | 65th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.80% | 7.64% | -0.84% | 59th above |
| Deposit Growth (Y/Y) | 6.65% | 6.02% | +0.63% | 68th above |
See First State Bank of Roscoe'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 Roscoe, 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 Roscoe profile, how to read a UBPR, or how this data updates.