The First National Bank in Falfurrias: 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 Falfurrias of Falfurrias, 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 Behind the peer average, ahead of the median peer. | 1.76% | 3.14% | -1.38% | 77th top |
| ROAE | 18.30% | 10.40% | +7.90% | 88th top |
| Net Interest Margin | 4.19% | 3.93% | +0.26% | 64th above |
| Efficiency Ratio | 58.05% | 76.34% | -18.29% | 74th above |
| PPNR / Avg Assets | 1.76% | 1.40% | +0.36% | 71st above |
| Yield on Earning Assets | 4.82% | 5.35% | -0.53% | 33rd below |
| Cost of Funds | 0.64% | 1.71% | -1.07% | 92nd top |
| Net Interest Spread | 3.57% | 3.31% | +0.26% | 61st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 1.34% | -1.25% | 59th above |
| NPA / Total Assets | 0.02% | 0.71% | -0.69% | 59th above |
| NCO / Avg Loans | 0.11% | 0.11% | +0.00% | 15th bottom |
| ACL / Total Loans | 1.84% | 1.49% | +0.35% | 80th top |
| ACL / NPLs (Coverage) | 2094.74% | 860.13% | +1234.61% | — |
| Texas Ratio | 0.23% | 8.27% | -8.04% | 65th above |
| Provision / NCO | 0.00% | 316.07% | -316.07% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.82% | 17.62% | -7.80% | 16th bottom |
| Equity / Assets | 9.90% | 16.44% | -6.54% | 25th below |
| TCE / Tangible Assets | 9.90% | 16.19% | -6.29% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 30.26% | 72.92% | -42.66% | 91st top |
| Core Deposit Ratio | 96.53% | 88.20% | +8.33% | 80th top |
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. | 3.15% | 4.31% | -1.16% | 53rd above |
| Loan Growth (Y/Y) | -3.68% | 6.75% | -10.43% | 24th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.72% | 3.77% | -0.05% | 58th above |
See The First National Bank in Falfurrias'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 Falfurrias, 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 Falfurrias profile, how to read a UBPR, or how this data updates.