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 Dimmitt, TX against its peer group of 931 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 | 2.02% | 1.43% | +0.59% | 87th top |
| ROAE | 20.17% | 12.50% | +7.67% | 89th top |
| Net Interest Margin | 3.97% | 3.84% | +0.13% | 66th above |
| Efficiency Ratio | 49.51% | 58.88% | -9.37% | 76th top |
| PPNR / Avg Assets | 2.08% | 1.78% | +0.30% | 73rd above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.70% | 5.71% | -0.01% | 60th above |
| Cost of Funds | 1.47% | 2.03% | -0.56% | 81st top |
| Net Interest Spread | 2.99% | 3.18% | -0.19% | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.31% | 0.96% | +0.35% | 23rd bottom |
| NPA / Total Assets | 0.82% | 0.75% | +0.07% | 30th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.24% | 0.31% | -0.07% | 17th bottom |
| ACL / Total Loans | 1.34% | 1.25% | +0.09% | 75th top |
| ACL / NPLs (Coverage) | 102.49% | 699.50% | -597.01% | 31st below |
| Texas Ratio | 7.98% | 7.16% | +0.82% | 31st below |
| Provision / NCO | 103.16% | 815.47% | -712.31% | 35th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.64% | 17.41% | -1.77% | 76th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.64% | 17.45% | -1.81% | 75th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.83% | 18.50% | -1.67% | 76th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.17% | 11.60% | -0.43% | 63rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.51% | 11.33% | -0.82% | 52nd above |
| TCE / Tangible Assets | 9.55% | 10.65% | -1.10% | 44th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.78% | 86.37% | -15.59% | 85th top |
| Core Deposit Ratio | 85.34% | 85.56% | -0.22% | 35th below |
| Uninsured Deposit Ratio | 50.23% | 32.69% | +17.54% | 9th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.90% | 10.46% | -8.56% | 27th below |
| Loan Growth (Y/Y) | 2.83% | 8.00% | -5.17% | 33rd below |
| Deposit Growth (Y/Y) | 0.87% | 7.99% | -7.12% | 23rd bottom |
See First United Bank's peers by name
The 931 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.