First Bank
Clewiston, FL · Cert 9620 · Peer group: banks under $1B in assets (n=581-629) · Pioneer Bankcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
$810.5MAssets
$502.0MLoans
$727.3MDeposits
$77.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 86% of banks under $1B in assets (rank 91 of 629).
- Widest gap: equity / assets trails 67% of banks under $1B in assets (rank 419 of 629).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.49%
Rank 147 of 629
Net Interest Margin
4.01%
Rank 169 of 629
Efficiency Ratio
55.97%
Rank 130 of 629
Equity / Assets
9.56%
Rank 419 of 629
Non-interest income vs. expense
Unfavorable gap of $16.4M · efficiency ratio beats 79% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.49% | 0.60% | 1.01% | 1.45% | Beats 77% | 147 / 629 | |
| Return on Equity | 15.57% | 5.38% | 9.30% | 13.28% | Beats 86% | 91 / 629 | |
| Net Interest Margin | 4.01% | 3.03% | 3.54% | 4.05% | Beats 73% | 169 / 629 | |
| Efficiency Ratio | 55.97% | 58.35% | 67.79% | 79.08% | Beats 79% | 130 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.31% | 0.09% | 0.46% | 1.20% | Beats 57% | 249 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 65% | 207 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 14.82% | 11.24% | 13.84% | 18.77% | Beats 58% | 262 / 629 | |
| Total Risk-Based Capital Ratio | 16.07% | 11.58% | 14.43% | 19.66% | Beats 62% | 241 / 629 | |
| Equity / Assets | 9.56% | 9.09% | 10.65% | 13.80% | Beats 33% | 419 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 69.03% | 67.24% | 80.90% | 93.48% | 29th pctl | 423 / 594 | |
| Loans / Assets | 61.94% | 53.31% | 67.71% | 78.15% | 38th pctl | 389 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |