The First National Bank of Blanchester: 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 Blanchester of Blanchester, OH against its peer group of 536 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. | 1.33% | 3.14% | -1.81% | 64th above |
| ROAE | 12.55% | 10.41% | +2.14% | 70th above |
| Net Interest Margin | 4.19% | 3.93% | +0.26% | 64th above |
| Efficiency Ratio | 62.64% | 76.33% | -13.69% | 65th above |
| PPNR / Avg Assets | 1.68% | 1.40% | +0.28% | 68th above |
| Yield on Earning Assets | 4.95% | 5.35% | -0.40% | 39th below |
| Cost of Funds | 0.81% | 1.71% | -0.90% | 87th top |
| Net Interest Spread | 4.08% | 3.31% | +0.77% | 80th 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. | 0.39% | 1.34% | -0.95% | 47th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.25% | 0.71% | -0.46% | 43rd below |
| NCO / Avg Loans | 0.19% | 0.10% | +0.09% | 11th bottom |
| ACL / Total Loans | 0.58% | 1.49% | -0.91% | 5th bottom |
| ACL / NPLs (Coverage) | 146.91% | 866.43% | -719.52% | 49th below |
| Texas Ratio | 2.25% | 8.26% | -6.01% | 50th above |
| Provision / NCO | 31.25% | 315.87% | -284.62% | 46th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 22.08% | 62.04% | -39.96% | 51st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 22.08% | 62.05% | -39.97% | 51st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 22.84% | 63.01% | -40.17% | 50th above |
| Leverage Ratio | 10.62% | 17.62% | -7.00% | 24th bottom |
| Equity / Assets | 10.74% | 16.44% | -5.70% | 33rd below |
| TCE / Tangible Assets | 10.74% | 16.19% | -5.45% | 35th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Ahead of the peer average, behind the median peer. | 71.84% | 72.83% | -0.99% | 44th below |
| Core Deposit Ratio | 98.97% | 88.19% | +10.78% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.47% | 4.31% | -4.78% | 29th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.19% | 6.72% | -0.53% | 66th above |
| Deposit Growth (Y/Y) | -0.88% | 3.78% | -4.66% | 30th below |
See The First National Bank of Blanchester's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Blanchester, 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 Blanchester profile, how to read a UBPR, or how this data updates.