First Trust and Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Trust and Savings Bank of Wheatland, IA against its peer group of 2603 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 | 1.60% | 1.34% | +0.26% | 69th above |
| ROAE | 15.30% | 13.32% | +1.98% | 67th above |
| Net Interest Margin | 3.96% | 3.93% | +0.03% | 51st above |
| Efficiency Ratio | 56.50% | 61.13% | -4.63% | 65th above |
| PPNR / Avg Assets | 1.79% | 1.68% | +0.11% | 62nd above |
| Yield on Earning Assets | 6.21% | 5.67% | +0.54% | 77th top |
| Cost of Funds | 2.44% | 1.88% | +0.56% | 17th bottom |
| Net Interest Spread | 3.36% | 3.32% | +0.04% | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.44% | 0.94% | +0.50% | 19th bottom |
| NPA / Total Assets | 1.24% | 0.70% | +0.54% | 15th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 29th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.23% | 1.28% | -0.05% | 54th above |
| ACL / NPLs (Coverage) | 85.31% | 1546.62% | -1461.31% | 23rd bottom |
| Texas Ratio | 24.93% | 7.33% | +17.60% | 5th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 909.09% | 1395.10% | -486.01% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.70% | 12.14% | -1.44% | 45th below |
| Equity / Assets | 10.07% | 11.37% | -1.30% | 46th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.07% | 11.08% | -1.01% | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.02% | 80.66% | +21.36% | 9th bottom |
| Core Deposit Ratio | 89.50% | 86.85% | +2.65% | 52nd above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.29% | 5.04% | -0.75% | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.95% | 6.84% | +8.11% | 91st top |
| Loan Growth (Y/Y) | 10.22% | 7.92% | +2.30% | 74th above |
| Deposit Growth (Y/Y) | 14.81% | 6.29% | +8.52% | 91st top |
See First Trust and Savings Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Trust and Savings 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 Trust and Savings Bank profile, how to read a UBPR, or how this data updates.