First National Bank North: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank North of Walker, MN 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 | 2.61% | 1.34% | +1.27% | 95th top |
| ROAE | 21.60% | 13.31% | +8.29% | 91st top |
| Net Interest Margin | 4.72% | 3.93% | +0.79% | 86th top |
| Efficiency Ratio | 48.59% | 61.15% | -12.56% | 83rd top |
| PPNR / Avg Assets | 2.71% | 1.68% | +1.03% | 93rd top |
| Yield on Earning Assets | 6.55% | 5.67% | +0.88% | 88th top |
| Cost of Funds | 1.98% | 1.88% | +0.10% | 38th below |
| Net Interest Spread | 4.14% | 3.32% | +0.82% | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.23% | 0.94% | -0.71% | 62nd above |
| NPA / Total Assets | 0.18% | 0.70% | -0.52% | 61st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 27th below |
| ACL / Total Loans | 1.54% | 1.28% | +0.26% | 81st top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 655.37% | 1539.48% | -884.11% | 76th top |
| Texas Ratio | 1.86% | 7.34% | -5.48% | 64th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 644.12% | 1396.45% | -752.33% | 76th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.13% | 19.50% | -1.37% | 70th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.13% | 19.54% | -1.41% | 70th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.39% | 20.62% | -1.23% | 71st above |
| Leverage Ratio | 12.14% | 12.14% | +0.00% | 66th above |
| Equity / Assets | 11.94% | 11.37% | +0.57% | 70th above |
| TCE / Tangible Assets | 11.69% | 11.09% | +0.60% | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.40% | 80.63% | +4.77% | 39th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.88% | 86.86% | +2.02% | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.07% | 6.85% | +1.22% | 75th top |
| Loan Growth (Y/Y) | 10.40% | 7.90% | +2.50% | 75th top |
| Deposit Growth (Y/Y) | 7.84% | 6.29% | +1.55% | 75th top |
See First National Bank North'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 North, 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 North profile, how to read a UBPR, or how this data updates.