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 Oldham, SD 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 | 2.03% | 1.25% | +0.78% | 86th top |
| ROAE | 11.65% | 13.17% | -1.52% | 45th below |
| Net Interest Margin | 7.62% | 3.95% | +3.67% | 100th top |
| Efficiency Ratio | 46.59% | 61.50% | -14.91% | 87th top |
| PPNR / Avg Assets | 5.46% | — | — | 99th top |
| Yield on Earning Assets | 8.95% | 5.67% | +3.28% | 100th top |
| Cost of Funds | 1.66% | 1.87% | -0.21% | 59th above |
| Net Interest Spread | 7.01% | — | — | 100th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.72% | 0.93% | +2.79% | 4th bottom |
| NPA / Total Assets | 3.02% | — | — | 3rd bottom |
| NCO / Avg Loans | 4.33% | 0.15% | +4.18% | 0th bottom |
| ACL / Total Loans | 6.27% | — | — | 100th top |
| ACL / NPLs (Coverage) | 168.50% | — | — | 43rd below |
| Texas Ratio | 7.50% | 6.06% | +1.44% | 25th below |
| Provision / NCO | 80.87% | — | — | 34th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.47% | 17.18% | +3.29% | 79th top |
| Tier 1 Ratio | 22.81% | 17.21% | +5.60% | 84th top |
| Total Capital Ratio | 24.12% | — | — | 85th top |
| Leverage Ratio | 18.41% | 11.75% | +6.66% | 95th top |
| Equity / Assets | 18.11% | 10.98% | +7.13% | 94th top |
| TCE / Tangible Assets | 16.03% | — | — | 92nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.64% | 80.44% | +16.20% | 16th bottom |
| Core Deposit Ratio | 92.13% | 86.95% | +5.18% | 68th above |
| Wholesale Funding Ratio | 0.69% | — | — | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.31% | — | — | 64th above |
| Loan Growth (Y/Y) | 3.15% | — | — | 36th below |
| Deposit Growth (Y/Y) | 1.43% | — | — | 31st 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.