FCN Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks FCN Bank, N.A. of Brookville, IN against its peer group of 2603 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 | 1.16% | 1.35% | -0.19% | 42nd below |
| ROAE | 14.70% | 13.32% | +1.38% | 64th above |
| Net Interest Margin | 3.20% | 3.93% | -0.73% | 16th bottom |
| Efficiency Ratio | 58.14% | 61.13% | -2.99% | 60th above |
| PPNR / Avg Assets | 1.39% | 1.68% | -0.29% | 39th below |
| Yield on Earning Assets | 4.93% | 5.67% | -0.74% | 20th bottom |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.85% | 1.88% | -0.03% | 47th below |
| Net Interest Spread | 2.59% | 3.32% | -0.73% | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.16% | 0.94% | +0.22% | 25th below |
| NPA / Total Assets | 0.79% | 0.70% | +0.09% | 27th below |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 90th top |
| ACL / Total Loans | 1.15% | 1.28% | -0.13% | 44th below |
| ACL / NPLs (Coverage) | 99.16% | 1547.37% | -1448.21% | 27th below |
| Texas Ratio | 9.71% | 7.34% | +2.37% | 23rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.01% | 19.49% | -5.48% | 39th below |
| Tier 1 Ratio | 14.01% | 19.53% | -5.52% | 39th below |
| Total Capital Ratio | 15.18% | 20.61% | -5.43% | 39th below |
| Leverage Ratio | 9.92% | 12.14% | -2.22% | 29th below |
| Equity / Assets | 8.05% | 11.37% | -3.32% | 14th bottom |
| TCE / Tangible Assets | 7.40% | 11.09% | -3.69% | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.39% | 80.66% | -2.27% | 55th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.98% | 86.85% | +0.13% | 38th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.26% | 5.04% | -0.78% | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.60% | 6.84% | -2.24% | 51st above |
| Loan Growth (Y/Y) | 11.27% | 7.92% | +3.35% | 77th top |
| Deposit Growth (Y/Y) | 1.83% | 6.29% | -4.46% | 34th below |
See FCN Bank, N.A.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock FCN Bank, N.A., 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 FCN Bank, N.A. profile, how to read a UBPR, or how this data updates.