The First National Bank of Ballinger: 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 Ballinger of Ballinger, 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 | 1.51% | 1.34% | +0.17% | 63rd above |
| ROAE | 15.27% | 13.31% | +1.96% | 67th above |
| Net Interest Margin | 4.07% | 3.93% | +0.14% | 57th above |
| Efficiency Ratio | 66.61% | 61.14% | +5.47% | 36th below |
| PPNR / Avg Assets | 1.48% | 1.68% | -0.20% | 43rd below |
| Yield on Earning Assets | 5.55% | 5.67% | -0.12% | 48th below |
| Cost of Funds | 1.62% | 1.88% | -0.26% | 62nd above |
| Net Interest Spread | 3.10% | 3.32% | -0.22% | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.94% | -0.91% | 81st top |
| NPA / Total Assets | 0.02% | 0.70% | -0.68% | 83rd top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 31st below |
| ACL / Total Loans | 2.07% | 1.28% | +0.79% | 94th top |
| ACL / NPLs (Coverage) | 6497.96% | 1537.23% | +4960.73% | — |
| Texas Ratio | 0.16% | 7.33% | -7.17% | 86th top |
| Provision / NCO | 0.00% | 1396.05% | -1396.05% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.55% | 19.50% | -1.95% | 67th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.55% | 19.54% | -1.99% | 66th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.81% | 20.62% | -1.81% | 67th above |
| Leverage Ratio | 10.52% | 12.14% | -1.62% | 42nd below |
| Equity / Assets | 10.18% | 11.37% | -1.19% | 47th below |
| TCE / Tangible Assets | 9.82% | 11.09% | -1.27% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.85% | 80.64% | -17.79% | 80th top |
| Core Deposit Ratio | 85.72% | 86.86% | -1.14% | 33rd below |
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. | 5.56% | 6.85% | -1.29% | 59th above |
| Loan Growth (Y/Y) | -4.06% | 7.91% | -11.97% | 9th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.80% | 6.29% | -1.49% | 56th above |
See The First National Bank of Ballinger's peers by name
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Unlock The First National Bank of Ballinger, 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 Ballinger profile, how to read a UBPR, or how this data updates.