First National Bank in Fredonia: 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 Fredonia of Fredonia, KS against its peer group of 2672 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 | 1.40% | 1.34% | +0.06% | 58th above |
| ROAE Behind the peer average, ahead of the median peer. | 13.18% | 13.31% | -0.13% | 55th above |
| Net Interest Margin | 3.09% | 3.93% | -0.84% | 13th bottom |
| Efficiency Ratio | 56.24% | 61.14% | -4.90% | 66th above |
| PPNR / Avg Assets | 1.45% | 1.68% | -0.23% | 42nd below |
| Yield on Earning Assets | 4.08% | 5.67% | -1.59% | 3rd bottom |
| Cost of Funds | 1.18% | 1.88% | -0.70% | 86th top |
| Net Interest Spread | 2.56% | 3.32% | -0.76% | 16th 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. | 0.63% | 0.94% | -0.31% | 40th below |
| NPA / Total Assets | 0.21% | 0.70% | -0.49% | 58th above |
| NCO / Avg Loans | 0.18% | 0.16% | +0.02% | 13th bottom |
| ACL / Total Loans | 2.96% | 1.28% | +1.68% | 98th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 472.63% | 1538.79% | -1066.16% | 70th above |
| Texas Ratio | 1.75% | 7.33% | -5.58% | 65th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.73% | 12.14% | +4.59% | 92nd top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.26% | 11.37% | -0.11% | 63rd above |
| TCE / Tangible Assets | 11.26% | 11.09% | +0.17% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 32.78% | 80.64% | -47.86% | 98th top |
| Core Deposit Ratio | 82.13% | 86.86% | -4.73% | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.90% | 6.85% | +0.05% | 69th above |
| Loan Growth (Y/Y) | 1.85% | 7.90% | -6.05% | 31st below |
| Deposit Growth (Y/Y) | 6.34% | 6.29% | +0.05% | 66th above |
See First National Bank in Fredonia's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank in Fredonia, 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 Fredonia profile, how to read a UBPR, or how this data updates.