The First National Bank and Trust Company of Miami: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First National Bank and Trust Company of Miami of Miami, OK 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 | 1.88% | 1.34% | +0.54% | 81st top |
| ROAE | 13.84% | 13.32% | +0.52% | 59th above |
| Net Interest Margin | 5.36% | 3.93% | +1.43% | 96th top |
| Efficiency Ratio | 51.85% | 61.13% | -9.28% | 77th top |
| PPNR / Avg Assets | 2.71% | 1.68% | +1.03% | 93rd top |
| Yield on Earning Assets | 6.15% | 5.67% | +0.48% | 75th top |
| Cost of Funds | 0.87% | 1.88% | -1.01% | 94th top |
| Net Interest Spread | 4.79% | 3.32% | +1.47% | 96th 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. | 0.60% | 0.94% | -0.34% | 41st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.42% | 0.70% | -0.28% | 42nd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 47th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.26% | 1.28% | -0.02% | 57th above |
| ACL / NPLs (Coverage) | 211.26% | 1546.39% | -1335.13% | 49th below |
| Texas Ratio | 2.92% | 7.34% | -4.42% | 54th above |
| Provision / NCO | 12800.00% | 1391.66% | +11408.34% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.42% | 12.14% | +1.28% | 78th top |
| Equity / Assets | 14.30% | 11.36% | +2.94% | 86th top |
| TCE / Tangible Assets | 13.79% | 11.08% | +2.71% | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.49% | 80.66% | +2.83% | 44th below |
| Core Deposit Ratio | 93.83% | 86.85% | +6.98% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -7.51% | 6.84% | -14.35% | 3rd bottom |
| Loan Growth (Y/Y) | 9.01% | 7.92% | +1.09% | 70th above |
| Deposit Growth (Y/Y) | -9.18% | 6.29% | -15.47% | 3rd bottom |
See The First National Bank and Trust Company of Miami's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank and Trust Company of Miami, 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 The First National Bank and Trust Company of Miami profile, how to read a UBPR, or how this data updates.