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 Alamogordo, NM 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 | 0.79% | 1.35% | -0.56% | 22nd bottom |
| ROAE | 14.76% | 12.05% | +2.71% | 64th above |
| Net Interest Margin | 3.73% | 3.90% | -0.17% | 38th below |
| Efficiency Ratio | 75.05% | 63.14% | +11.91% | 19th bottom |
| PPNR / Avg Assets | 0.91% | 1.64% | -0.73% | 18th bottom |
| Yield on Earning Assets | 4.55% | 5.65% | -1.10% | 9th bottom |
| Cost of Funds | 0.87% | 1.85% | -0.98% | 94th top |
| Net Interest Spread | 3.22% | 3.35% | -0.13% | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 8.72% | 0.92% | +7.80% | 0th bottom |
| NPA / Total Assets | 4.23% | 0.67% | +3.56% | 2nd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 33rd below |
| ACL / Total Loans | 1.82% | 1.28% | +0.54% | 90th top |
| ACL / NPLs (Coverage) | 20.89% | 1645.83% | -1624.94% | 1st bottom |
| Texas Ratio | 65.22% | 7.13% | +58.09% | 0th bottom |
| Provision / NCO | 2250.00% | 1188.56% | +1061.44% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.31% | 12.46% | -2.15% | 38th below |
| Equity / Assets | 5.60% | 11.67% | -6.07% | 2nd bottom |
| TCE / Tangible Assets | 5.60% | 11.40% | -5.80% | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 51.62% | 78.65% | -27.03% | 91st top |
| Core Deposit Ratio | 91.90% | 87.09% | +4.81% | 67th above |
| Wholesale Funding Ratio | 0.05% | 5.12% | -5.07% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.14% | 6.48% | -7.62% | 13th bottom |
| Loan Growth (Y/Y) | 2.26% | 7.64% | -5.38% | 32nd below |
| Deposit Growth (Y/Y) | -2.65% | 6.03% | -8.68% | 11th 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.