The First National Bank of Bastrop: 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 Bastrop of Bastrop, TX against its peer group of 927 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 Behind the peer average, ahead of the median peer. | 1.29% | 1.46% | -0.17% | 51st above |
| ROAE | 13.99% | 12.69% | +1.30% | 62nd above |
| Net Interest Margin | 3.94% | 3.85% | +0.09% | 64th above |
| Efficiency Ratio | 59.23% | 57.40% | +1.83% | 48th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.79% | 1.88% | -0.09% | 55th above |
| Yield on Earning Assets | 5.52% | 5.72% | -0.20% | 49th below |
| Cost of Funds | 1.74% | 2.02% | -0.28% | 67th above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.11% | 3.18% | -0.07% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.28% | 1.00% | -0.72% | 75th top |
| NPA / Total Assets | 0.17% | 0.76% | -0.59% | 79th top |
| NCO / Avg Loans | 0.02% | 0.43% | -0.41% | 53rd above |
| ACL / Total Loans | 1.14% | 1.31% | -0.17% | 49th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 413.30% | 564.43% | -151.13% | 78th top |
| Texas Ratio | 2.03% | 7.39% | -5.36% | 77th top |
| Provision / NCO | 625.00% | 618.54% | +6.46% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.61% | 11.44% | +0.17% | 72nd above |
| Equity / Assets | 9.09% | 11.34% | -2.25% | 23rd bottom |
| TCE / Tangible Assets | 9.09% | 10.50% | -1.41% | 35th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 67.57% | 86.96% | -19.39% | 88th top |
| Core Deposit Ratio | 88.46% | 85.55% | +2.91% | 50th above |
| Uninsured Deposit Ratio | 43.16% | 33.12% | +10.04% | 20th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.15% | 9.68% | +4.47% | 86th top |
| Loan Growth (Y/Y) | 18.01% | 8.05% | +9.96% | 90th top |
| Deposit Growth (Y/Y) | 16.45% | 7.87% | +8.58% | 87th top |
See The First National Bank of Bastrop's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Bastrop, 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 Bastrop profile, how to read a UBPR, or how this data updates.