First National Bank of America: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank of America of East Lansing, MI against its peer group of 931 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 | 2.87% | 1.46% | +1.41% | 97th top |
| ROAE | 35.63% | 12.66% | +22.97% | 99th top |
| Net Interest Margin | 4.76% | 3.85% | +0.91% | 92nd top |
| Efficiency Ratio | 26.30% | 57.49% | -31.19% | 99th top |
| PPNR / Avg Assets | 3.69% | 1.87% | +1.82% | 98th top |
| Yield on Earning Assets | 8.31% | 5.71% | +2.60% | 98th top |
| Cost of Funds | 3.87% | 2.01% | +1.86% | 1st bottom |
| Net Interest Spread | 4.37% | 3.18% | +1.19% | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.94% | 1.00% | +0.94% | 11th bottom |
| NPA / Total Assets | 1.91% | 0.76% | +1.15% | 7th bottom |
| NCO / Avg Loans | 0.02% | 0.43% | -0.41% | 55th above |
| ACL / Total Loans | 1.09% | 1.31% | -0.22% | 42nd below |
| ACL / NPLs (Coverage) | 56.34% | 544.67% | -488.33% | 11th bottom |
| Texas Ratio | 21.01% | 7.35% | +13.66% | 6th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 251.09% | 619.75% | -368.66% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.28% | 17.34% | -2.06% | 73rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.28% | 17.37% | -2.09% | 72nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.54% | 18.42% | -1.88% | 73rd above |
| Leverage Ratio | 8.13% | 11.44% | -3.31% | 3rd bottom |
| Equity / Assets | 8.08% | 11.34% | -3.26% | 8th bottom |
| TCE / Tangible Assets | 8.08% | 10.51% | -2.43% | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 161.84% | 86.76% | +75.08% | 0th bottom |
| Core Deposit Ratio | 45.77% | 85.66% | -39.89% | 1st bottom |
| Uninsured Deposit Ratio | 18.66% | 33.16% | -14.50% | 86th top |
| Wholesale Funding Ratio | 34.23% | 5.61% | +28.62% | 0th bottom |
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. | 6.00% | 9.69% | -3.69% | 55th above |
| Loan Growth (Y/Y) | 5.18% | 8.06% | -2.88% | 47th below |
| Deposit Growth (Y/Y) | 3.73% | 7.88% | -4.15% | 43rd below |
See First National Bank of America's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank of America, 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 of America profile, how to read a UBPR, or how this data updates.