1st National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks 1st National Bank of Lebanon, OH against its peer group of 2672 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 | 1.03% | 1.34% | -0.31% | 35th below |
| ROAE | 11.62% | 13.31% | -1.69% | 46th below |
| Net Interest Margin | 3.38% | 3.93% | -0.55% | 23rd bottom |
| Efficiency Ratio | 80.80% | 61.13% | +19.67% | 13th bottom |
| PPNR / Avg Assets | 0.99% | 1.68% | -0.69% | 20th bottom |
| Yield on Earning Assets | 5.29% | 5.67% | -0.38% | 35th below |
| Cost of Funds | 1.96% | 1.88% | +0.08% | 39th below |
| Net Interest Spread | 2.45% | 3.32% | -0.87% | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.26% | 0.94% | -0.68% | 60th above |
| NPA / Total Assets | 0.18% | 0.70% | -0.52% | 62nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 28th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.21% | 1.28% | -0.07% | 51st above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 464.13% | 1538.95% | -1074.82% | 69th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.04% | 7.33% | -2.29% | 41st below |
| Provision / NCO | 0.00% | 1396.00% | -1396.00% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.71% | 19.50% | -4.79% | 46th below |
| Tier 1 Ratio | 14.71% | 19.54% | -4.83% | 46th below |
| Total Capital Ratio | 15.96% | 20.62% | -4.66% | 47th below |
| Leverage Ratio | 9.56% | 12.14% | -2.58% | 23rd bottom |
| Equity / Assets | 9.31% | 11.37% | -2.06% | 32nd below |
| TCE / Tangible Assets | 9.31% | 11.09% | -1.78% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.04% | 80.64% | -0.60% | 51st above |
| Core Deposit Ratio | 90.22% | 86.86% | +3.36% | 56th above |
| Wholesale Funding Ratio | 2.02% | 5.03% | -3.01% | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -7.37% | 6.86% | -14.23% | 3rd bottom |
| Loan Growth (Y/Y) | -10.93% | 7.91% | -18.84% | 2nd bottom |
| Deposit Growth (Y/Y) | -4.95% | 6.29% | -11.24% | 7th bottom |
See 1st National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock 1st National 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 1st National Bank profile, how to read a UBPR, or how this data updates.