Fannin Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Fannin Bank of Bonham, TX 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 | 0.88% | 1.25% | -0.37% | 26th below |
| ROAE | 13.53% | 12.22% | +1.31% | 56th above |
| Net Interest Margin | 3.62% | 3.95% | -0.33% | 32nd below |
| Efficiency Ratio | 69.39% | 63.71% | +5.68% | 29th below |
| PPNR / Avg Assets | 1.15% | — | — | 26th below |
| Yield on Earning Assets | 5.56% | 5.67% | -0.11% | 48th below |
| Cost of Funds | 1.56% | 1.87% | -0.31% | 66th above |
| Net Interest Spread | 2.50% | — | — | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.04% | 0.88% | +0.16% | 27th below |
| NPA / Total Assets | 0.54% | — | — | 37th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.15% | -0.09% | 24th bottom |
| ACL / Total Loans | 1.71% | — | — | 88th top |
| ACL / NPLs (Coverage) | 164.77% | — | — | 42nd below |
| Texas Ratio | 7.26% | 5.96% | +1.30% | 25th below |
| Provision / NCO | 375.00% | — | — | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.15% | 17.18% | -1.03% | 58th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.15% | 17.21% | -1.06% | 58th above |
| Total Capital Ratio | 17.40% | — | — | 59th above |
| Leverage Ratio | 8.60% | 11.75% | -3.15% | 7th bottom |
| Equity / Assets | 6.56% | 10.98% | -4.42% | 4th bottom |
| TCE / Tangible Assets | 6.56% | — | — | 5th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 56.18% | 80.44% | -24.26% | 87th top |
| Core Deposit Ratio | 89.92% | 86.95% | +2.97% | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.45% | — | — | 71st above |
| Loan Growth (Y/Y) | 2.71% | — | — | 34th below |
| Deposit Growth (Y/Y) | 5.54% | — | — | 60th above |
See Fannin Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Fannin 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 Fannin 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 Fannin Bank peer analysis.