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 Pond Creek, OK 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 Behind the peer average, ahead of the median peer. | 1.77% | 3.14% | -1.37% | 77th top |
| ROAE | 13.25% | 10.41% | +2.84% | 74th above |
| Net Interest Margin | 5.36% | 3.93% | +1.43% | 93rd top |
| Efficiency Ratio | 66.29% | 76.32% | -10.03% | 58th above |
| PPNR / Avg Assets | 1.77% | 1.40% | +0.37% | 72nd above |
| Yield on Earning Assets | 6.77% | 5.35% | +1.42% | 92nd top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.58% | 1.70% | -0.12% | 49th below |
| Net Interest Spread | 4.47% | 3.31% | +1.16% | 89th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 1.01% | 0.71% | +0.30% | 20th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.11% | -0.08% | 23rd bottom |
| ACL / Total Loans | 1.72% | 1.49% | +0.23% | 76th top |
| Texas Ratio | 8.53% | 8.25% | +0.28% | 23rd bottom |
| Provision / NCO | 0.00% | 315.56% | -315.56% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.78% | 17.61% | -4.83% | 47th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 13.63% | 16.43% | -2.80% | 58th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 13.63% | 16.18% | -2.55% | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.30% | 72.79% | +25.51% | 11th bottom |
| Core Deposit Ratio | 93.09% | 88.21% | +4.88% | 61st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.01% | 4.32% | -8.33% | 15th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.09% | 6.73% | -1.64% | 60th above |
| Deposit Growth (Y/Y) | -3.92% | 3.78% | -7.70% | 17th bottom |
See The First State Bank's peers by name
The 536 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.