The First National Bank of Bangor: 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 Bangor of Bangor, WI 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 | 3.45% | 1.34% | +2.11% | 98th top |
| ROAE | 11.07% | 12.05% | -0.98% | 42nd below |
| Net Interest Margin | 5.24% | 3.90% | +1.34% | 95th top |
| Efficiency Ratio | 16.59% | 63.17% | -46.58% | 100th top |
| PPNR / Avg Assets | 4.29% | 1.64% | +2.65% | 99th top |
| Yield on Earning Assets | 6.68% | 5.65% | +1.03% | 91st top |
| Cost of Funds | 2.08% | 1.85% | +0.23% | 33rd below |
| Net Interest Spread | 4.17% | 3.35% | +0.82% | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.61% | 0.92% | -0.31% | 41st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.56% | 0.67% | -0.11% | 35th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.67% | 1.28% | -0.61% | 6th bottom |
| ACL / NPLs (Coverage) | 110.37% | 1645.79% | -1535.42% | 31st below |
| Texas Ratio | 2.65% | 7.15% | -4.50% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 31.61% | 12.46% | +19.15% | 99th top |
| Equity / Assets | 31.37% | 11.66% | +19.71% | 99th top |
| TCE / Tangible Assets | 31.37% | 11.39% | +19.98% | 99th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 136.23% | 78.62% | +57.61% | 0th bottom |
| Core Deposit Ratio | 90.50% | 87.09% | +3.41% | 58th above |
| Wholesale Funding Ratio | 6.32% | 5.11% | +1.21% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.39% | 6.48% | -4.09% | 35th below |
| Loan Growth (Y/Y) | 1.20% | 7.64% | -6.44% | 27th below |
| Deposit Growth (Y/Y) | 3.75% | 6.02% | -2.27% | 48th below |
See The First National Bank of Bangor'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 Bangor, 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 Bangor profile, how to read a UBPR, or how this data updates.