First National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank of Rotan, TX against its peer group of 536 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 | 0.70% | 3.33% | -2.63% | 33rd below |
| ROAE | 12.29% | 8.28% | +4.01% | 69th above |
| Net Interest Margin | 3.17% | 3.93% | -0.76% | 19th bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 76.70% | 84.48% | -7.78% | 37th below |
| PPNR / Avg Assets | 0.70% | 1.56% | -0.86% | 27th below |
| Yield on Earning Assets | 4.65% | 5.24% | -0.59% | 27th below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.60% | 1.67% | -0.07% | 48th below |
| Net Interest Spread | 2.69% | 3.30% | -0.61% | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.09% | 1.42% | +1.67% | 10th bottom |
| NPA / Total Assets | 1.30% | 0.71% | +0.59% | 15th bottom |
| NCO / Avg Loans | -0.43% | 0.15% | -0.58% | 97th top |
| ACL / Total Loans | 2.30% | 1.52% | +0.78% | 87th top |
| ACL / NPLs (Coverage) | 74.58% | 723.19% | -648.61% | 32nd below |
| Texas Ratio | 18.49% | 8.54% | +9.95% | 9th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 21.53% | 127.07% | -105.54% | 50th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 21.53% | 127.08% | -105.55% | 50th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 22.79% | 127.97% | -105.18% | 50th above |
| Leverage Ratio | 9.71% | 22.10% | -12.39% | 15th bottom |
| Equity / Assets | 6.04% | 20.75% | -14.71% | 3rd bottom |
| TCE / Tangible Assets | 6.04% | 20.50% | -14.46% | 3rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 44.81% | 74.31% | -29.50% | 78th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 90.22% | 88.30% | +1.92% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.81% | 3.81% | +9.00% | 91st top |
| Loan Growth (Y/Y) | 16.78% | 6.83% | +9.95% | 89th top |
| Deposit Growth (Y/Y) | 10.78% | 2.96% | +7.82% | 86th top |
See First National Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First 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 First National Bank profile, how to read a UBPR, or how this data updates.