First United Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First United Bank of Park River, ND against its peer group of 2757 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 | 1.97% | 1.25% | +0.72% | 84th top |
| ROAE | 19.07% | 13.17% | +5.90% | 84th top |
| Net Interest Margin | 4.24% | 3.95% | +0.29% | 66th above |
| Efficiency Ratio | 50.54% | 61.50% | -10.96% | 79th top |
| PPNR / Avg Assets | 2.04% | — | — | 74th above |
| Yield on Earning Assets | 5.86% | 5.67% | +0.19% | 62nd above |
| Cost of Funds | 1.72% | 1.87% | -0.15% | 55th above |
| Net Interest Spread | 3.66% | — | — | 67th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 0.93% | -0.91% | 82nd top |
| NPA / Total Assets | 0.10% | — | — | 70th above |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 83rd top |
| ACL / Total Loans | 1.30% | — | — | 62nd above |
| ACL / NPLs (Coverage) | 5516.06% | — | — | — |
| Texas Ratio | 0.92% | 6.06% | -5.14% | 70th above |
| Provision / NCO | 1764.71% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.13% | 11.75% | -1.62% | 34th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.43% | 10.98% | -0.55% | 51st above |
| TCE / Tangible Assets | 8.62% | — | — | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.99% | 80.44% | +2.55% | 45th below |
| Core Deposit Ratio | 89.72% | 86.95% | +2.77% | 53rd above |
| Wholesale Funding Ratio | 2.36% | — | — | 63rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.79% | — | — | 90th top |
| Loan Growth (Y/Y) | 13.18% | — | — | 82nd top |
| Deposit Growth (Y/Y) | 15.24% | — | — | 91st top |
See First United Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First United 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 United Bank profile, how to read a UBPR, or how this data updates.