The First National Bank of Aspermont: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First National Bank of Aspermont of Aspermont, TX 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 | 1.09% | 1.35% | -0.26% | 38th below |
| ROAE | 27.59% | 12.05% | +15.54% | 97th top |
| Net Interest Margin | 3.17% | 3.90% | -0.73% | 15th bottom |
| Efficiency Ratio | 61.26% | 63.15% | -1.89% | 50th above |
| PPNR / Avg Assets | 1.22% | 1.64% | -0.42% | 29th below |
| Yield on Earning Assets | 4.59% | 5.65% | -1.06% | 10th bottom |
| Cost of Funds | 1.40% | 1.85% | -0.45% | 75th top |
| Net Interest Spread | 2.07% | 3.35% | -1.28% | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.29% | 0.92% | -0.63% | 58th above |
| NPA / Total Assets | 0.11% | 0.67% | -0.56% | 69th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.21% | 1.28% | -0.07% | 52nd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 420.14% | 1645.66% | -1225.52% | 67th above |
| Texas Ratio | 2.58% | 7.15% | -4.57% | 57th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.07% | 12.46% | -3.39% | 13th bottom |
| Equity / Assets | 3.98% | 11.67% | -7.69% | 1st bottom |
| TCE / Tangible Assets | 3.73% | 11.40% | -7.67% | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 38.94% | 78.66% | -39.72% | 96th top |
| Core Deposit Ratio | 94.77% | 87.09% | +7.68% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.50% | 6.47% | +0.03% | 66th above |
| Loan Growth (Y/Y) | 16.72% | 7.64% | +9.08% | 89th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.45% | 6.02% | -1.57% | 53rd above |
See The First National Bank of Aspermont's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Aspermont, 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 The First National Bank of Aspermont profile, how to read a UBPR, or how this data updates.