Firststate Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Firststate Bank of Lineville, AL against its peer group of 2757 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 | 0.74% | 1.25% | -0.51% | 19th bottom |
| ROAE | 11.67% | 12.22% | -0.55% | 45th below |
| Net Interest Margin | 3.57% | 3.95% | -0.38% | 30th below |
| Efficiency Ratio | 69.37% | 63.71% | +5.66% | 29th below |
| PPNR / Avg Assets | 1.10% | — | — | 24th bottom |
| Yield on Earning Assets | 5.23% | 5.67% | -0.44% | 32nd below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.81% | 1.87% | -0.06% | 49th below |
| Net Interest Spread | 2.96% | — | — | 30th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.72% | 0.88% | -0.16% | 37th below |
| NPA / Total Assets | 0.49% | — | — | 40th below |
| NCO / Avg Loans | 0.24% | 0.15% | +0.09% | 11th bottom |
| ACL / Total Loans | 1.28% | — | — | 59th above |
| ACL / NPLs (Coverage) | 178.24% | — | — | 44th below |
| Texas Ratio | 6.73% | 5.96% | +0.77% | 27th below |
| Provision / NCO | 0.00% | — | — | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.14% | 11.75% | -0.61% | 53rd above |
| Equity / Assets | 6.70% | 10.98% | -4.28% | 5th bottom |
| TCE / Tangible Assets | 6.70% | — | — | 5th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 47.19% | 80.44% | -33.25% | 93rd top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.45% | 86.95% | +0.50% | 41st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.11% | — | — | 40th below |
| Loan Growth (Y/Y) | -1.59% | — | — | 16th bottom |
| Deposit Growth (Y/Y) | 1.87% | — | — | 34th below |
See Firststate Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Firststate 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 Firststate 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 Firststate Bank peer analysis.