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 Norton, KS 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 | 1.85% | 1.25% | +0.60% | 80th top |
| ROAE | 17.68% | 13.17% | +4.51% | 78th top |
| Net Interest Margin | 4.14% | 3.95% | +0.19% | 60th above |
| Efficiency Ratio | 50.70% | 61.50% | -10.80% | 79th top |
| PPNR / Avg Assets | 2.09% | — | — | 75th top |
| Yield on Earning Assets | 5.56% | 5.67% | -0.11% | 48th below |
| Cost of Funds | 1.49% | 1.87% | -0.38% | 70th above |
| Net Interest Spread | 3.34% | — | — | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 0.93% | -0.85% | 75th top |
| NPA / Total Assets | 0.05% | — | — | 77th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.10% | 0.15% | -0.05% | 19th bottom |
| ACL / Total Loans | 1.90% | — | — | 92nd top |
| ACL / NPLs (Coverage) | 2290.68% | — | — | — |
| Texas Ratio | 0.59% | 6.06% | -5.47% | 75th top |
| Provision / NCO | 217.39% | — | — | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.05% | 11.75% | +1.30% | 75th top |
| Equity / Assets | 10.99% | 10.98% | +0.01% | 59th above |
| TCE / Tangible Assets | 10.36% | — | — | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.84% | 80.44% | -10.60% | 71st above |
| Core Deposit Ratio | 90.55% | 86.95% | +3.60% | 58th above |
| Wholesale Funding Ratio | 6.09% | — | — | 31st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.29% | — | — | 20th bottom |
| Loan Growth (Y/Y) | 1.38% | — | — | 27th below |
| Deposit Growth (Y/Y) | -0.51% | — | — | 20th bottom |
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.