First National Bank of Clarksdale: 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 Clarksdale of Clarksdale, MS 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 | 0.63% | 1.35% | -0.72% | 17th bottom |
| ROAE | 6.07% | 12.06% | -5.99% | 18th bottom |
| Net Interest Margin | 3.50% | 3.90% | -0.40% | 27th below |
| Efficiency Ratio | 75.16% | 63.14% | +12.02% | 19th bottom |
| PPNR / Avg Assets | 0.80% | 1.64% | -0.84% | 15th bottom |
| Yield on Earning Assets | 5.33% | 5.65% | -0.32% | 37th below |
| Cost of Funds | 1.93% | 1.85% | +0.08% | 41st below |
| Net Interest Spread | 2.69% | 3.35% | -0.66% | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.64% | 0.92% | -0.28% | 39th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.41% | 0.67% | -0.26% | 43rd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 45th below |
| ACL / Total Loans | 1.04% | 1.28% | -0.24% | 30th below |
| ACL / NPLs (Coverage) | 161.69% | 1645.77% | -1484.08% | 42nd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.70% | 7.15% | -3.45% | 49th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 144.44% | 1189.83% | -1045.39% | 50th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.83% | 12.46% | +0.37% | 73rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.50% | 11.67% | -1.17% | 52nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.50% | 11.40% | -0.90% | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.85% | 78.65% | -5.80% | 66th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.94% | 87.09% | +1.85% | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.09% | 6.48% | -5.39% | 26th below |
| Loan Growth (Y/Y) | 9.93% | 7.64% | +2.29% | 73rd above |
| Deposit Growth (Y/Y) | 0.65% | 6.03% | -5.38% | 27th below |
See First National Bank of Clarksdale's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank of Clarksdale, 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 Clarksdale profile, how to read a UBPR, or how this data updates.