First National Bank of Central Texas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank of Central Texas of Waco, 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 | 2.45% | 1.46% | +0.99% | 95th top |
| ROAE | 23.10% | 12.68% | +10.42% | 93rd top |
| Net Interest Margin | 4.27% | 3.85% | +0.42% | 82nd top |
| Efficiency Ratio | 43.20% | 57.41% | -14.21% | 89th top |
| PPNR / Avg Assets | 2.58% | 1.88% | +0.70% | 89th top |
| Yield on Earning Assets | 5.74% | 5.72% | +0.02% | 62nd above |
| Cost of Funds | 1.35% | 2.02% | -0.67% | 86th top |
| Net Interest Spread | 3.51% | 3.18% | +0.33% | 77th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 1.00% | -0.94% | 92nd top |
| NPA / Total Assets | 0.08% | 0.76% | -0.68% | 89th top |
| NCO / Avg Loans | -0.00% | 0.43% | -0.43% | 81st top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.20% | 1.31% | -0.11% | 58th above |
| ACL / NPLs (Coverage) | 2028.71% | 563.33% | +1465.38% | — |
| Texas Ratio | 0.90% | 7.39% | -6.49% | 88th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 451.49% | 618.68% | -167.19% | 75th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.55% | 17.34% | -2.79% | 65th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.55% | 17.37% | -2.82% | 65th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.80% | 18.42% | -2.62% | 67th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.83% | 11.44% | -0.61% | 57th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.77% | 11.34% | -0.57% | 56th above |
| TCE / Tangible Assets | 10.72% | 10.50% | +0.22% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.86% | 86.95% | +1.91% | 48th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.25% | 85.55% | +2.70% | 48th below |
| Uninsured Deposit Ratio | 21.14% | 33.13% | -11.99% | 81st top |
| Wholesale Funding Ratio | 1.06% | 5.70% | -4.64% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.85% | 9.68% | +3.17% | 83rd top |
| Loan Growth (Y/Y) | 13.03% | 8.06% | +4.97% | 81st top |
| Deposit Growth (Y/Y) | 13.48% | 7.87% | +5.61% | 84th top |
See First National Bank of Central Texas's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank of Central Texas, 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 First National Bank of Central Texas profile, how to read a UBPR, or how this data updates.