FirstBank Southwest: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks FirstBank Southwest of Amarillo, 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 | 1.26% | 1.46% | -0.20% | 48th below |
| ROAE | 13.55% | 12.72% | +0.83% | 60th above |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.84% | 3.85% | -0.01% | 59th above |
| Efficiency Ratio | 69.14% | 57.40% | +11.74% | 22nd bottom |
| PPNR / Avg Assets | 1.31% | 1.88% | -0.57% | 28th below |
| Yield on Earning Assets | 5.84% | 5.72% | +0.12% | 68th above |
| Cost of Funds | 2.25% | 2.02% | +0.23% | 34th below |
| Net Interest Spread | 3.04% | 3.18% | -0.14% | 47th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.82% | 1.00% | +0.82% | 13th bottom |
| NPA / Total Assets | 1.38% | 0.76% | +0.62% | 15th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.15% | 0.43% | -0.28% | 23rd bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.18% | 1.31% | -0.13% | 55th above |
| ACL / NPLs (Coverage) | 65.02% | 543.71% | -478.69% | 14th bottom |
| Texas Ratio | 13.57% | 7.38% | +6.19% | 14th bottom |
| Provision / NCO | 72.25% | 619.07% | -546.82% | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.03% | 17.34% | -3.31% | 59th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.03% | 17.37% | -3.34% | 59th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.13% | 18.42% | -3.29% | 58th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.16% | 11.44% | -0.28% | 63rd above |
| Equity / Assets | 9.51% | 11.34% | -1.83% | 32nd below |
| TCE / Tangible Assets | 9.36% | 10.50% | -1.14% | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.94% | 86.96% | -8.02% | 73rd above |
| Core Deposit Ratio | 84.34% | 85.56% | -1.22% | 32nd below |
| Uninsured Deposit Ratio | 34.12% | 33.12% | +1.00% | 41st below |
| Wholesale Funding Ratio | 0.27% | 5.71% | -5.44% | 91st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.76% | 9.69% | -8.93% | 20th bottom |
| Loan Growth (Y/Y) | -1.57% | 8.06% | -9.63% | 11th bottom |
| Deposit Growth (Y/Y) | 1.57% | 7.87% | -6.30% | 27th below |
See FirstBank Southwest's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock FirstBank Southwest, 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 FirstBank Southwest profile, how to read a UBPR, or how this data updates.