First State Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First State Community Bank of Farmington, MO against its peer group of 941 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 | 1.90% | 1.34% | +0.56% | 83rd top |
| ROAE | 15.60% | 12.34% | +3.26% | 74th above |
| Net Interest Margin | 3.89% | 3.83% | +0.06% | 61st above |
| Efficiency Ratio | 48.03% | 58.97% | -10.94% | 79th top |
| PPNR / Avg Assets | 2.51% | — | — | 88th top |
| Yield on Earning Assets | 5.49% | 5.71% | -0.22% | 47th below |
| Cost of Funds | 1.60% | 2.02% | -0.42% | 75th top |
| Net Interest Spread | 3.28% | — | — | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.07% | 0.87% | +0.20% | 25th below |
| NPA / Total Assets | 0.87% | — | — | 25th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.15% | 0.43% | -0.28% | 22nd bottom |
| ACL / Total Loans | 1.07% | — | — | 40th below |
| ACL / NPLs (Coverage) | 100.35% | — | — | 24th bottom |
| Texas Ratio | 7.50% | 5.48% | +2.02% | 24th bottom |
| Provision / NCO | 224.24% | — | — | 57th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.35% | 14.99% | -0.64% | 63rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.35% | 15.02% | -0.67% | 62nd above |
| Total Capital Ratio | 15.43% | — | — | 62nd above |
| Leverage Ratio | 11.68% | 11.11% | +0.57% | 72nd above |
| Equity / Assets | 12.48% | 11.02% | +1.46% | 81st top |
| TCE / Tangible Assets | 10.94% | — | — | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.38% | 86.99% | +4.39% | 40th below |
| Core Deposit Ratio | 91.42% | 85.57% | +5.85% | 65th above |
| Uninsured Deposit Ratio | 22.97% | 33.19% | -10.22% | 77th top |
| Wholesale Funding Ratio | 2.75% | — | — | 61st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.15% | — | — | 55th above |
| Loan Growth (Y/Y) | 7.26% | — | — | 59th above |
| Deposit Growth (Y/Y) | 5.92% | — | — | 56th above |
See First State Community Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First State Community 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 First State Community 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 First State Community Bank peer analysis.