First National Bank in Frankfort: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank in Frankfort of Frankfort, KS against its peer group of 506 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 | 0.68% | 3.13% | -2.45% | 33rd below |
| ROAE | 11.17% | 10.30% | +0.87% | 64th above |
| Net Interest Margin | 3.31% | 3.94% | -0.63% | 24th bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 75.26% | 76.32% | -1.06% | 40th below |
| PPNR / Avg Assets | 0.78% | 1.40% | -0.62% | 30th below |
| Yield on Earning Assets | 4.84% | 5.35% | -0.51% | 34th below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.63% | 1.70% | -0.07% | 46th below |
| Net Interest Spread | 2.71% | 3.32% | -0.61% | 24th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.52% | 1.34% | -0.82% | 42nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.26% | 0.71% | -0.45% | 43rd below |
| NCO / Avg Loans | -0.03% | 0.10% | -0.13% | 87th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.45% | 1.49% | -0.04% | 65th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 277.30% | 866.65% | -589.35% | 67th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.81% | 8.27% | -4.46% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.76% | 17.65% | -6.89% | 26th below |
| Equity / Assets | 6.22% | 16.46% | -10.24% | 4th bottom |
| TCE / Tangible Assets | 6.22% | 16.21% | -9.99% | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 56.21% | 72.86% | -16.65% | 65th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 91.20% | 88.27% | +2.93% | 49th below |
| Wholesale Funding Ratio | 3.05% | 5.19% | -2.14% | 56th above |
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. | 4.25% | 4.26% | -0.01% | 58th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.68% | 6.76% | -2.08% | 58th above |
| Deposit Growth (Y/Y) | -0.63% | 3.73% | -4.36% | 31st below |
See First National Bank in Frankfort's peers by name
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Unlock First National Bank in Frankfort, 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 in Frankfort profile, how to read a UBPR, or how this data updates.