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 Altavista, VA against its peer group of 931 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 | 2.35% | 1.43% | +0.92% | 95th top |
| ROAE | 29.46% | 12.49% | +16.97% | 98th top |
| Net Interest Margin | 4.17% | 3.84% | +0.33% | 78th top |
| Efficiency Ratio | 51.08% | 58.88% | -7.80% | 73rd above |
| PPNR / Avg Assets | 3.01% | 1.78% | +1.23% | 95th top |
| Yield on Earning Assets | 5.19% | 5.71% | -0.52% | 29th below |
| Cost of Funds | 1.07% | 2.03% | -0.96% | 93rd top |
| Net Interest Spread | 3.69% | 3.18% | +0.51% | 83rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.19% | 0.97% | -0.78% | 82nd top |
| NPA / Total Assets | 0.12% | 0.75% | -0.63% | 84th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.31% | -0.22% | 30th below |
| ACL / Total Loans | 0.71% | 1.25% | -0.54% | 9th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 377.98% | 699.20% | -321.22% | 76th top |
| Texas Ratio | 1.48% | 7.17% | -5.69% | 83rd top |
| Provision / NCO | 121.29% | 815.45% | -694.16% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.04% | 17.41% | -4.37% | 43rd below |
| Tier 1 Ratio | 13.04% | 17.45% | -4.41% | 42nd below |
| Total Capital Ratio | 13.76% | 18.51% | -4.75% | 36th below |
| Leverage Ratio | 8.84% | 11.60% | -2.76% | 9th bottom |
| Equity / Assets | 8.03% | 11.33% | -3.30% | 7th bottom |
| TCE / Tangible Assets | 7.93% | 10.65% | -2.72% | 11th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.80% | 86.37% | -14.57% | 84th top |
| Core Deposit Ratio | 97.35% | 85.54% | +11.81% | 95th top |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 32.32% | 32.71% | -0.39% | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 9.75% | 10.46% | -0.71% | 75th top |
| Loan Growth (Y/Y) | 3.07% | 8.00% | -4.93% | 34th below |
| Deposit Growth (Y/Y) | 10.84% | 7.98% | +2.86% | 78th top |
See First National Bank's peers by name
The 931 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.