Firstar Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Firstar Bank of Sallisaw, OK against its peer group of 941 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 | 1.51% | 1.34% | +0.17% | 66th above |
| ROAE | 13.88% | 12.34% | +1.54% | 60th above |
| Net Interest Margin | 4.70% | 3.83% | +0.87% | 91st top |
| Efficiency Ratio | 59.88% | 58.97% | +0.91% | 44th below |
| PPNR / Avg Assets | 1.97% | — | — | 65th above |
| Yield on Earning Assets | 6.49% | 5.71% | +0.78% | 89th top |
| Cost of Funds | 1.87% | 2.02% | -0.15% | 58th above |
| Net Interest Spread | 4.05% | — | — | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.68% | 0.87% | -0.19% | 39th below |
| NPA / Total Assets | 0.62% | — | — | 36th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.43% | -0.39% | 46th below |
| ACL / Total Loans | 0.99% | — | — | 29th below |
| ACL / NPLs (Coverage) | 145.54% | — | — | 38th below |
| Texas Ratio | 6.91% | 5.48% | +1.43% | 26th below |
| Provision / NCO | 30.00% | — | — | 18th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.64% | 14.99% | -2.35% | 35th below |
| Tier 1 Ratio | 12.64% | 15.02% | -2.38% | 35th below |
| Total Capital Ratio | 13.70% | — | — | 34th below |
| Leverage Ratio | 9.03% | 11.11% | -2.08% | 12th bottom |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.95% | 11.02% | -0.07% | 59th above |
| TCE / Tangible Assets | 8.55% | — | — | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.64% | 86.99% | -9.35% | 75th top |
| Core Deposit Ratio | 90.97% | 85.57% | +5.40% | 63rd above |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 31.90% | 33.19% | -1.29% | 47th below |
| Wholesale Funding Ratio | 0.20% | — | — | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.77% | — | — | 80th top |
| Loan Growth (Y/Y) | -0.55% | — | — | 15th bottom |
| Deposit Growth (Y/Y) | 12.09% | — | — | 80th top |
See Firstar Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Firstar 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 Firstar Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Firstar Bank peer analysis.