First Tri-County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Tri-County Bank of Swanton, NE against its peer group of 536 similarly-sized US banks as of Q3 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 | 0.63% | 0.82% | -0.19% | 19th bottom |
| ROAE Ahead of the peer average, behind the median peer. | 6.34% | 4.81% | +1.53% | 19th bottom |
| Net Interest Margin | 3.84% | 3.95% | -0.11% | 44th below |
| Efficiency Ratio | 79.47% | 75.77% | +3.70% | 22nd bottom |
| PPNR / Avg Assets | 0.75% | — | — | 22nd bottom |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.12% | 5.44% | -0.32% | 50th above |
| Cost of Funds | 1.37% | 1.71% | -0.34% | 50th above |
| Net Interest Spread | 3.36% | — | — | 47th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 1.40% | -1.37% | 50th above |
| NPA / Total Assets | 0.02% | — | — | 53rd above |
| NCO / Avg Loans | -0.03% | 0.11% | -0.14% | 88th top |
| ACL / Total Loans | 1.08% | — | — | 34th below |
| ACL / NPLs (Coverage) | 4076.92% | — | — | — |
| Texas Ratio | 0.17% | 8.94% | -8.77% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.40% | 14.21% | -4.81% | 6th bottom |
| Equity / Assets | 10.29% | 13.16% | -2.87% | 28th below |
| TCE / Tangible Assets | 9.70% | — | — | 19th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.15% | 69.13% | +6.02% | 41st below |
| Core Deposit Ratio | 89.30% | 88.78% | +0.52% | 50th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.01% | — | — | 47th below |
| Loan Growth (Y/Y) | -4.51% | — | — | 22nd bottom |
| Deposit Growth (Y/Y) | 1.91% | — | — | 47th below |
See First Tri-County Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Tri-County 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 Tri-County Bank profile, how to read a UBPR, or how this data updates.