First National Bank in Trinidad: 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 Trinidad of Trinidad, CO against its peer group of 2603 similarly-sized US banks as of Q3 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 | 0.45% | 1.25% | -0.80% | 4th bottom |
| ROAE | 8.01% | 13.21% | -5.20% | 18th bottom |
| Net Interest Margin | 3.71% | 3.95% | -0.24% | 32nd below |
| Efficiency Ratio | 84.50% | 61.29% | +23.21% | 2nd bottom |
| PPNR / Avg Assets | 0.50% | — | — | 2nd bottom |
| Yield on Earning Assets | 4.51% | 5.68% | -1.17% | 10th bottom |
| Cost of Funds | 0.83% | 1.88% | -1.05% | 90th top |
| Net Interest Spread | 3.39% | — | — | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.89% | 0.93% | -0.04% | 29th below |
| NPA / Total Assets | 0.55% | — | — | 31st below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 46th below |
| ACL / Total Loans | 1.56% | — | — | 78th top |
| ACL / NPLs (Coverage) | 174.80% | — | — | 38th below |
| Texas Ratio | 10.47% | 7.37% | +3.10% | 19th bottom |
| Provision / NCO | 3000.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.22% | 11.73% | -0.51% | 48th below |
| Equity / Assets | 4.67% | 10.97% | -6.30% | 2nd bottom |
| TCE / Tangible Assets | 4.67% | — | — | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.66% | 80.71% | -19.05% | 73rd above |
| Core Deposit Ratio | 99.41% | 86.89% | +12.52% | 99th top |
| Wholesale Funding Ratio | 2.04% | — | — | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.13% | — | — | 6th bottom |
| Loan Growth (Y/Y) | -4.37% | — | — | 8th bottom |
| Deposit Growth (Y/Y) | -6.51% | — | — | 6th bottom |
See First National Bank in Trinidad's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank in Trinidad, 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 Trinidad profile, how to read a UBPR, or how this data updates.