First Western Federal Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Western Federal Savings Bank of Rapid City, SD against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 2.56% | 3.14% | -0.58% | 89th top |
| ROAE | 14.28% | 10.41% | +3.87% | 79th top |
| Net Interest Margin | 5.23% | 3.93% | +1.30% | 92nd top |
| Efficiency Ratio | 50.93% | 76.34% | -25.41% | 86th top |
| PPNR / Avg Assets | 2.56% | 1.40% | +1.16% | 91st top |
| Yield on Earning Assets | 7.79% | 5.35% | +2.44% | 98th top |
| Cost of Funds | 3.76% | 1.70% | +2.06% | 3rd bottom |
| Net Interest Spread | 4.62% | 3.31% | +1.31% | 91st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.66% | 1.49% | -0.83% | 8th bottom |
| Texas Ratio | 0.00% | 8.26% | -8.26% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 18.08% | 17.60% | +0.48% | 76th top |
| Equity / Assets | 17.67% | 16.42% | +1.25% | 76th top |
| TCE / Tangible Assets | 17.67% | 16.17% | +1.50% | 77th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 144.42% | 72.70% | +71.72% | 1st bottom |
| Core Deposit Ratio | 64.86% | 88.26% | -23.40% | 3rd bottom |
| Wholesale Funding Ratio | 17.70% | 5.22% | +12.48% | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.19% | 4.30% | +0.89% | 65th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.85% | 6.73% | -1.88% | 59th above |
| Deposit Growth (Y/Y) | 7.17% | 3.76% | +3.41% | 74th above |
See First Western Federal Savings Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Western Federal 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 Western Federal Savings Bank profile, how to read a UBPR, or how this data updates.