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 Hamilton, AL 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 | 2.79% | 1.25% | +1.54% | 96th top |
| ROAE | 16.04% | 12.22% | +3.82% | 71st above |
| Net Interest Margin | 4.70% | 3.95% | +0.75% | 86th top |
| Efficiency Ratio | 42.41% | 63.71% | -21.30% | 93rd top |
| PPNR / Avg Assets | 3.04% | — | — | 96th top |
| Yield on Earning Assets | 5.35% | 5.67% | -0.32% | 37th below |
| Cost of Funds | 0.76% | 1.87% | -1.11% | 96th top |
| Net Interest Spread | 4.12% | — | — | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.42% | 0.88% | -0.46% | 50th above |
| NPA / Total Assets | 0.20% | — | — | 60th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.10% | 0.15% | -0.05% | 18th bottom |
| ACL / Total Loans | 1.47% | — | — | 77th top |
| ACL / NPLs (Coverage) | 352.69% | — | — | 63rd above |
| Texas Ratio | 0.74% | 5.96% | -5.22% | 73rd above |
| Provision / NCO | 135.75% | — | — | 47th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 18.99% | 11.75% | +7.24% | 95th top |
| Equity / Assets | 17.79% | 10.98% | +6.81% | 94th top |
| TCE / Tangible Assets | 17.79% | — | — | 95th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 48.06% | 80.44% | -32.38% | 93rd top |
| Core Deposit Ratio | 96.05% | 86.95% | +9.10% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.19% | — | — | 48th below |
| Loan Growth (Y/Y) | -5.53% | — | — | 6th bottom |
| Deposit Growth (Y/Y) | 2.56% | — | — | 39th below |
See First National Bank's peers by name
The 2757 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. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First National Bank peer analysis.