Firstier Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Firstier Bank of Kimball, NE 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 | 0.77% | 1.34% | -0.57% | 16th bottom |
| ROAE | 6.76% | 12.40% | -5.64% | 14th bottom |
| Net Interest Margin | 3.58% | 3.83% | -0.25% | 40th below |
| Efficiency Ratio | 75.28% | 57.84% | +17.44% | 11th bottom |
| PPNR / Avg Assets | 0.89% | — | — | 10th bottom |
| Yield on Earning Assets | 6.38% | 5.71% | +0.67% | 87th top |
| Cost of Funds | 3.04% | 2.02% | +1.02% | 7th bottom |
| Net Interest Spread | 2.96% | — | — | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.37% | 1.00% | +3.37% | 2nd bottom |
| NPA / Total Assets | 5.86% | — | — | 0th bottom |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 66th above |
| ACL / Total Loans | 1.85% | — | — | 94th top |
| ACL / NPLs (Coverage) | 42.35% | — | — | 6th bottom |
| Texas Ratio | 45.31% | 5.47% | +39.84% | 0th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.34% | 14.99% | -1.65% | 47th below |
| Tier 1 Ratio | 13.34% | 15.02% | -1.68% | 46th below |
| Total Capital Ratio | 14.60% | — | — | 48th below |
| Leverage Ratio | 11.43% | 11.11% | +0.32% | 68th above |
| Equity / Assets | 11.72% | 11.02% | +0.70% | 72nd above |
| TCE / Tangible Assets | 11.72% | — | — | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.50% | 86.99% | +5.51% | 36th below |
| Core Deposit Ratio | 79.96% | 85.57% | -5.61% | 21st bottom |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 32.52% | 33.19% | -0.67% | 45th below |
| Wholesale Funding Ratio | 2.86% | — | — | 60th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.13% | — | — | 16th bottom |
| Loan Growth (Y/Y) | 2.05% | — | — | 27th below |
| Deposit Growth (Y/Y) | -1.23% | — | — | 11th bottom |
See Firstier Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Firstier 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 Firstier 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 Firstier Bank peer analysis.