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 Bagley, MN against its peer group of 2672 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 | 1.23% | 1.34% | -0.11% | 48th below |
| ROAE | 18.00% | 13.31% | +4.69% | 80th top |
| Net Interest Margin | 3.95% | 3.93% | +0.02% | 50th above |
| Efficiency Ratio | 64.37% | 61.14% | +3.23% | 41st below |
| PPNR / Avg Assets | 1.42% | 1.68% | -0.26% | 39th below |
| Yield on Earning Assets | 5.54% | 5.67% | -0.13% | 47th below |
| Cost of Funds | 1.61% | 1.88% | -0.27% | 63rd above |
| Net Interest Spread | 3.36% | 3.32% | +0.04% | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.39% | 0.94% | -0.55% | 51st above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.40% | 0.70% | -0.30% | 44th below |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 82nd top |
| ACL / Total Loans | 1.05% | 1.28% | -0.23% | 32nd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 266.37% | 1538.85% | -1272.48% | 56th above |
| Texas Ratio | 10.97% | 7.33% | +3.64% | 20th bottom |
| Provision / NCO | 106.38% | 1395.73% | -1289.35% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.27% | 19.50% | -7.23% | 20th bottom |
| Tier 1 Ratio | 12.27% | 19.54% | -7.27% | 20th bottom |
| Total Capital Ratio | 13.37% | 20.62% | -7.25% | 20th bottom |
| Leverage Ratio | 7.85% | 12.14% | -4.29% | 2nd bottom |
| Equity / Assets | 6.93% | 11.37% | -4.44% | 6th bottom |
| TCE / Tangible Assets | 6.81% | 11.09% | -4.28% | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.37% | 80.64% | -8.27% | 67th above |
| Core Deposit Ratio | 92.72% | 86.86% | +5.86% | 72nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.65% | 6.85% | +0.80% | 73rd above |
| Loan Growth (Y/Y) | 8.75% | 7.90% | +0.85% | 69th above |
| Deposit Growth (Y/Y) | 7.35% | 6.29% | +1.06% | 72nd above |
See First National Bank's peers by name
The 2672 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.