The First National Bank in Cooper: 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 in Cooper of Cooper, TX against its peer group of 536 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 | 0.82% | 3.14% | -2.32% | 39th below |
| ROAE | 6.37% | 10.42% | -4.05% | 37th below |
| Net Interest Margin | 3.03% | 3.93% | -0.90% | 14th bottom |
| Efficiency Ratio | 68.22% | 76.31% | -8.09% | 53rd above |
| PPNR / Avg Assets | 1.02% | 1.40% | -0.38% | 40th below |
| Yield on Earning Assets | 4.42% | 5.35% | -0.93% | 20th bottom |
| Cost of Funds | 1.52% | 1.70% | -0.18% | 51st above |
| Net Interest Spread | 2.22% | 3.31% | -1.09% | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.81% | 1.49% | -0.68% | 15th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.73% | 8.25% | -2.52% | 31st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.12% | 17.61% | -4.49% | 50th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 12.88% | 16.43% | -3.55% | 52nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 12.88% | 16.18% | -3.30% | 55th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.00% | 72.85% | -11.85% | 60th above |
| Core Deposit Ratio | 97.16% | 88.20% | +8.96% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.71% | 4.30% | +1.41% | 67th above |
| Loan Growth (Y/Y) | -7.17% | 6.75% | -13.92% | 13th bottom |
| Deposit Growth (Y/Y) | 5.76% | 3.77% | +1.99% | 68th above |
See The First National Bank in Cooper's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank in Cooper, 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 in Cooper profile, how to read a UBPR, or how this data updates.