First US Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First US Bank of Birmingham, AL 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 | 0.75% | 1.46% | -0.71% | 17th bottom |
| ROAE | 7.82% | 12.72% | -4.90% | 20th bottom |
| Net Interest Margin | 3.59% | 3.85% | -0.26% | 41st below |
| Efficiency Ratio | 67.71% | 57.40% | +10.31% | 25th below |
| PPNR / Avg Assets | 1.14% | 1.88% | -0.74% | 21st bottom |
| Yield on Earning Assets | 5.46% | 5.72% | -0.26% | 46th below |
| Cost of Funds | 1.99% | 2.02% | -0.03% | 53rd above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.17% | 3.18% | -0.01% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 1.00% | -0.85% | 85th top |
| NPA / Total Assets | 0.13% | 0.76% | -0.63% | 83rd top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.30% | 0.43% | -0.13% | 14th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.26% | 1.31% | -0.05% | 66th above |
| ACL / NPLs (Coverage) | 840.96% | 543.22% | +297.74% | 89th top |
| Texas Ratio | 1.30% | 7.39% | -6.09% | 84th top |
| Provision / NCO | 115.72% | 618.87% | -503.15% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.85% | 17.34% | -6.49% | 7th bottom |
| Tier 1 Ratio | 10.85% | 17.37% | -6.52% | 7th bottom |
| Total Capital Ratio | 12.02% | 18.42% | -6.40% | 9th bottom |
| Leverage Ratio | 9.16% | 11.44% | -2.28% | 15th bottom |
| Equity / Assets | 9.52% | 11.34% | -1.82% | 32nd below |
| TCE / Tangible Assets | 8.93% | 10.50% | -1.57% | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.71% | 86.95% | -1.24% | 57th above |
| Core Deposit Ratio | 83.80% | 85.55% | -1.75% | 30th below |
| Uninsured Deposit Ratio | 17.60% | 33.13% | -15.53% | 88th top |
| Wholesale Funding Ratio | 2.18% | 5.71% | -3.53% | 66th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.38% | 9.69% | -9.31% | 18th bottom |
| Loan Growth (Y/Y) | -1.24% | 8.06% | -9.30% | 12th bottom |
| Deposit Growth (Y/Y) | 1.38% | 7.87% | -6.49% | 25th below |
See First US Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First US 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 US Bank profile, how to read a UBPR, or how this data updates.