First Bank
Creve Coeur, MO · Cert 12229 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · FB Corp.
State charter, Fed member · FED · 76 branches
Q2 2026
$6.7BAssets
$4.3BLoans
$5.8BDeposits
$561.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 80% of banks $1B-$10B in assets operating regionally (rank 37 of 176).
- Widest gap: net interest margin trails 91% of banks $1B-$10B in assets operating regionally (rank 161 of 176).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.66%
Rank 157 of 176
Net Interest Margin
2.85%
Rank 161 of 176
Efficiency Ratio
73.69%
Rank 150 of 176
Equity / Assets
8.43%
Rank 152 of 176
Non-interest income vs. expense
Unfavorable gap of $126.6M · efficiency ratio beats 15% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.66% | 0.93% | 1.26% | 1.54% | Beats 11% | 157 / 176 | | |
| Return on Equity | 7.84% | 9.26% | 11.89% | 14.46% | Beats 14% | 151 / 176 | | |
| Net Interest Margin | 2.85% | 3.25% | 3.59% | 3.93% | Beats 9% | 161 / 176 | | |
| Efficiency Ratio | 73.69% | 52.79% | 59.55% | 67.66% | Beats 15% | 150 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.30% | 0.64% | 1.32% | Beats 80% | 37 / 176 | | |
| Net Charge-Offs / Loans | 0.09% | 0.01% | 0.04% | 0.10% | Beats 31% | 124 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 13.06% | 11.15% | 12.72% | 14.15% | Beats 57% | 75 / 176 | | |
| Total Risk-Based Capital Ratio | 13.98% | 11.81% | 13.63% | 15.33% | Beats 57% | 76 / 176 | | |
| Equity / Assets | 8.43% | 9.16% | 10.35% | 11.80% | Beats 14% | 152 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.02% | 80.94% | 89.73% | 97.21% | 10th pctl | 158 / 176 | | |
| Loans / Assets | 63.97% | 69.25% | 75.12% | 80.82% | 13th pctl | 154 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |