The First State Bank: 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 Boise City, OK against its peer group of 2757 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 | 2.10% | 1.25% | +0.85% | 88th top |
| ROAE | 23.01% | 12.22% | +10.79% | 93rd top |
| Net Interest Margin | 4.10% | 3.95% | +0.15% | 58th above |
| Efficiency Ratio | 42.93% | 63.71% | -20.78% | 92nd top |
| PPNR / Avg Assets | 2.23% | — | — | 80th top |
| Yield on Earning Assets | 6.31% | 5.67% | +0.64% | 81st top |
| Cost of Funds | 2.31% | 1.87% | +0.44% | 21st bottom |
| Net Interest Spread | 3.17% | — | — | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.13% | 0.88% | +1.25% | 11th bottom |
| NPA / Total Assets | 1.73% | — | — | 9th bottom |
| NCO / Avg Loans | -0.04% | 0.15% | -0.19% | 94th top |
| ACL / Total Loans | 0.66% | — | — | 6th bottom |
| ACL / NPLs (Coverage) | 30.99% | — | — | 4th bottom |
| Texas Ratio | 17.91% | 5.96% | +11.95% | 7th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.93% | 11.75% | -1.82% | 29th below |
| Equity / Assets | 8.92% | 10.98% | -2.06% | 25th below |
| TCE / Tangible Assets | 8.58% | — | — | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.39% | 80.44% | +12.95% | 22nd bottom |
| Core Deposit Ratio | 67.04% | 86.95% | -19.91% | 4th bottom |
| Wholesale Funding Ratio | 3.75% | — | — | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.61% | — | — | 43rd below |
| Loan Growth (Y/Y) | 4.81% | — | — | 45th below |
| Deposit Growth (Y/Y) | 10.44% | — | — | 84th top |
See The First State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First State Bank, 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 profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the The First State Bank peer analysis.