First National Bank in Philip: 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 Philip of Philip, SD 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 | 2.05% | 1.35% | +0.70% | 86th top |
| ROAE | 18.41% | 12.05% | +6.36% | 81st top |
| Net Interest Margin | 3.55% | 3.90% | -0.35% | 29th below |
| Efficiency Ratio | 38.02% | 63.16% | -25.14% | 97th top |
| PPNR / Avg Assets | 2.22% | 1.64% | +0.58% | 81st top |
| Yield on Earning Assets | 5.56% | 5.65% | -0.09% | 48th below |
| Cost of Funds | 2.21% | 1.85% | +0.36% | 26th below |
| Net Interest Spread | 2.87% | 3.35% | -0.48% | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans | -0.00% | 0.15% | -0.15% | 75th top |
| ACL / Total Loans | 1.37% | 1.28% | +0.09% | 69th above |
| Texas Ratio | 0.00% | 7.15% | -7.15% | 90th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.39% | 20.83% | -5.44% | 53rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.39% | 20.86% | -5.47% | 53rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.46% | 21.94% | -5.48% | 51st above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.05% | 12.46% | -0.41% | 66th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.25% | 11.67% | -0.42% | 63rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.25% | 11.40% | -0.15% | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.18% | 78.65% | -8.47% | 70th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.65% | 87.09% | +1.56% | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.19% | 6.47% | +6.72% | 89th top |
| Loan Growth (Y/Y) | 8.25% | 7.64% | +0.61% | 66th above |
| Deposit Growth (Y/Y) | 13.51% | 6.02% | +7.49% | 89th top |
See First National Bank in Philip'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 Philip, 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 Philip profile, how to read a UBPR, or how this data updates.