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 Oneida, TN 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 | 1.98% | 1.25% | +0.73% | 84th top |
| ROAE | 21.46% | 13.17% | +8.29% | 90th top |
| Net Interest Margin | 4.57% | 3.95% | +0.62% | 81st top |
| Efficiency Ratio | 52.50% | 61.50% | -9.00% | 75th top |
| PPNR / Avg Assets | 2.31% | — | — | 83rd top |
| Yield on Earning Assets | 6.30% | 5.67% | +0.63% | 81st top |
| Cost of Funds | 1.90% | 1.87% | +0.03% | 43rd below |
| Net Interest Spread | 3.84% | — | — | 77th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 0.93% | -0.78% | 68th above |
| NPA / Total Assets | 0.10% | — | — | 71st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 34th below |
| ACL / Total Loans | 2.69% | — | — | 98th top |
| ACL / NPLs (Coverage) | 1769.41% | — | — | — |
| Texas Ratio | 1.53% | 6.06% | -4.53% | 63rd above |
| Provision / NCO | 4128.57% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 18.69% | 17.18% | +1.51% | 72nd above |
| Tier 1 Ratio | 18.69% | 17.21% | +1.48% | 72nd above |
| Total Capital Ratio | 19.96% | — | — | 73rd above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.98% | 11.75% | -0.77% | 50th above |
| Equity / Assets | 9.61% | 10.98% | -1.37% | 37th below |
| TCE / Tangible Assets | 9.61% | — | — | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.81% | 80.44% | -9.63% | 70th above |
| Core Deposit Ratio | 82.01% | 86.95% | -4.94% | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.36% | — | — | 71st above |
| Loan Growth (Y/Y) | 9.43% | — | — | 71st above |
| Deposit Growth (Y/Y) | 6.44% | — | — | 66th above |
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.