First Summit Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Summit Bank of Ryan, OK 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 | 0.32% | 0.85% | -0.53% | 18th bottom |
| ROAE | 2.30% | 5.23% | -2.93% | 19th bottom |
| Net Interest Margin | 4.76% | 3.94% | +0.82% | 81st top |
| Efficiency Ratio | 81.68% | 76.13% | +5.55% | 25th below |
| PPNR / Avg Assets | 0.85% | — | — | 30th below |
| Yield on Earning Assets | 6.31% | 5.42% | +0.89% | 84th top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.62% | 1.69% | -0.07% | 47th below |
| Net Interest Spread | 4.28% | — | — | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 7.11% | 1.23% | +5.88% | 3rd bottom |
| NPA / Total Assets | 3.80% | — | — | 3rd bottom |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.54% | — | — | 69th above |
| ACL / NPLs (Coverage) | 21.65% | — | — | 3rd bottom |
| Texas Ratio | 25.74% | 7.23% | +18.51% | 4th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.68% | 14.13% | -0.45% | 55th above |
| Equity / Assets | 13.95% | 13.07% | +0.88% | 61st above |
| TCE / Tangible Assets | 13.95% | — | — | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.30% | 68.58% | -6.28% | 57th above |
| Core Deposit Ratio | 85.45% | 88.79% | -3.34% | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.93% | — | — | 61st above |
| Loan Growth (Y/Y) | 4.37% | — | — | 56th above |
| Deposit Growth (Y/Y) | 4.92% | — | — | 63rd above |
See First Summit Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Summit 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 Summit 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 Summit Bank peer analysis.