First National Bank and Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank and Trust of Phillipsburg, KS against its peer group of 2603 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 | 0.97% | 1.35% | -0.38% | 31st below |
| ROAE | 7.05% | 13.33% | -6.28% | 21st bottom |
| Net Interest Margin | 4.83% | 3.93% | +0.90% | 89th top |
| Efficiency Ratio | 67.23% | 61.13% | +6.10% | 34th below |
| PPNR / Avg Assets | 1.73% | 1.68% | +0.05% | 58th above |
| Yield on Earning Assets | 6.13% | 5.67% | +0.46% | 74th above |
| Cost of Funds | 1.45% | 1.88% | -0.43% | 72nd above |
| Net Interest Spread | 4.15% | 3.32% | +0.83% | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.78% | 0.94% | -0.16% | 34th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.55% | 0.70% | -0.15% | 36th below |
| NCO / Avg Loans | 0.89% | 0.16% | +0.73% | 4th bottom |
| ACL / Total Loans | 2.05% | 1.28% | +0.77% | 94th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 263.68% | 1546.56% | -1282.88% | 56th above |
| Texas Ratio | 8.55% | 7.34% | +1.21% | 26th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 156.60% | 1395.45% | -1238.85% | 52nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.73% | 12.14% | +2.59% | 85th top |
| Equity / Assets | 13.93% | 11.36% | +2.57% | 84th top |
| TCE / Tangible Assets | 13.93% | 11.08% | +2.85% | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.30% | 80.66% | +6.64% | 35th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.73% | 86.85% | +1.88% | 48th below |
| Wholesale Funding Ratio | 5.11% | 5.04% | +0.07% | 37th 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. | 6.81% | 6.84% | -0.03% | 68th above |
| Loan Growth (Y/Y) | 9.05% | 7.92% | +1.13% | 70th above |
| Deposit Growth (Y/Y) | 3.53% | 6.29% | -2.76% | 46th below |
See First National Bank and Trust's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank and Trust, 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 and Trust profile, how to read a UBPR, or how this data updates.