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 Fort Pierre, SD against its peer group of 931 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 | 2.48% | 1.43% | +1.05% | 96th top |
| ROAE | 10.78% | 12.51% | -1.73% | 38th below |
| Net Interest Margin | 7.32% | 3.84% | +3.48% | 99th top |
| Efficiency Ratio | 44.71% | 58.89% | -14.18% | 87th top |
| PPNR / Avg Assets | 5.63% | 1.77% | +3.86% | 99th top |
| Yield on Earning Assets | 8.63% | 5.71% | +2.92% | 98th top |
| Cost of Funds | 1.66% | 2.03% | -0.37% | 72nd above |
| Net Interest Spread | 6.54% | 3.18% | +3.36% | 99th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.84% | 0.96% | -0.12% | 39th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.68% | 0.75% | -0.07% | 38th below |
| NCO / Avg Loans | 3.26% | 0.30% | +2.96% | 2nd bottom |
| ACL / Total Loans | 4.85% | 1.25% | +3.60% | 99th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 578.24% | 698.97% | -120.73% | 84th top |
| Texas Ratio | 2.78% | 7.17% | -4.39% | 68th above |
| Provision / NCO | 82.69% | 815.50% | -732.81% | 26th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 23.91% | 17.40% | +6.51% | 95th top |
| Tier 1 Ratio | 26.19% | 17.43% | +8.76% | 96th top |
| Total Capital Ratio | 27.48% | 18.49% | +8.99% | 96th top |
| Leverage Ratio | 21.88% | 11.58% | +10.30% | 98th top |
| Equity / Assets | 23.44% | 11.32% | +12.12% | 99th top |
| TCE / Tangible Assets | 19.44% | 10.64% | +8.80% | 98th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.98% | 86.33% | +17.65% | 10th bottom |
| Core Deposit Ratio | 93.26% | 85.55% | +7.71% | 76th top |
| Uninsured Deposit Ratio | 42.42% | 32.70% | +9.72% | 21st bottom |
| Wholesale Funding Ratio | 0.73% | 5.46% | -4.73% | 85th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 18.75% | 10.45% | +8.30% | 90th top |
| Loan Growth (Y/Y) | 13.45% | 7.99% | +5.46% | 82nd top |
| Deposit Growth (Y/Y) | 21.94% | 7.96% | +13.98% | 92nd top |
See First National Bank's peers by name
The 931 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.