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 Ness City, KS against its peer group of 578 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 Ahead of the peer average, behind the median peer. | 1.06% | 0.85% | +0.21% | 49th below |
| ROAE | 9.97% | 5.23% | +4.74% | 57th above |
| Net Interest Margin | 3.05% | 3.94% | -0.89% | 15th bottom |
| Efficiency Ratio | 60.32% | 76.13% | -15.81% | 70th above |
| PPNR / Avg Assets | 1.13% | — | — | 44th below |
| Yield on Earning Assets | 4.35% | 5.42% | -1.07% | 19th bottom |
| Cost of Funds | 1.52% | 1.69% | -0.17% | 51st above |
| Net Interest Spread | 2.44% | — | — | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.23% | -1.23% | 86th top |
| NPA / Total Assets | 0.00% | — | — | 83rd top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 2.36% | — | — | 88th top |
| Texas Ratio | 0.00% | 7.23% | -7.23% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.34% | 25.12% | -3.78% | 47th below |
| Tier 1 Ratio | 21.34% | 25.12% | -3.78% | 47th below |
| Total Capital Ratio | 22.59% | — | — | 48th below |
| Leverage Ratio | 15.27% | 14.13% | +1.14% | 66th above |
| Equity / Assets | 11.54% | 13.07% | -1.53% | 41st below |
| TCE / Tangible Assets | 11.54% | — | — | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 50.74% | 68.58% | -17.84% | 70th above |
| Core Deposit Ratio | 83.58% | 88.79% | -5.21% | 20th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.00% | — | — | 55th above |
| Loan Growth (Y/Y) | 8.28% | — | — | 73rd above |
| Deposit Growth (Y/Y) | 2.24% | — | — | 49th below |
See The First State Bank's peers by name
The 578 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.