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 Cloverdale, IN 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 | 0.45% | 1.34% | -0.89% | 11th bottom |
| ROAE | 6.07% | 13.32% | -7.25% | 18th bottom |
| Net Interest Margin | 3.09% | 3.93% | -0.84% | 13th bottom |
| Efficiency Ratio | 82.82% | 61.13% | +21.69% | 11th bottom |
| PPNR / Avg Assets | 0.50% | 1.68% | -1.18% | 8th bottom |
| Yield on Earning Assets | 4.71% | 5.67% | -0.96% | 14th bottom |
| Cost of Funds | 1.74% | 1.88% | -0.14% | 54th above |
| Net Interest Spread | 2.51% | 3.32% | -0.81% | 14th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.71% | 0.94% | -0.23% | 37th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.39% | 0.70% | -0.31% | 45th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 41st below |
| ACL / Total Loans | 1.89% | 1.28% | +0.61% | 92nd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 265.54% | 1539.24% | -1273.70% | 56th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.64% | 7.33% | -2.69% | 44th below |
| Provision / NCO | 0.00% | 1396.35% | -1396.35% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.70% | 19.50% | -2.80% | 62nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.70% | 19.54% | -2.84% | 61st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.96% | 20.62% | -2.66% | 63rd above |
| Leverage Ratio | 9.50% | 12.14% | -2.64% | 22nd bottom |
| Equity / Assets | 7.69% | 11.38% | -3.69% | 11th bottom |
| TCE / Tangible Assets | 7.69% | 11.09% | -3.40% | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.66% | 80.65% | -20.99% | 84th top |
| Core Deposit Ratio | 97.78% | 86.86% | +10.92% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.05% | 6.86% | -7.91% | 14th bottom |
| Loan Growth (Y/Y) | 10.64% | 7.90% | +2.74% | 76th top |
| Deposit Growth (Y/Y) | -2.06% | 6.29% | -8.35% | 13th bottom |
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.