First National Bank of Coffee County: 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 Coffee County of Douglas, GA 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 | 1.45% | 1.34% | +0.11% | 60th above |
| ROAE | 17.20% | 13.31% | +3.89% | 76th top |
| Net Interest Margin | 3.86% | 3.93% | -0.07% | 46th below |
| Efficiency Ratio | 63.14% | 61.14% | +2.00% | 45th below |
| PPNR / Avg Assets | 1.55% | 1.68% | -0.13% | 48th below |
| Yield on Earning Assets | 5.36% | 5.67% | -0.31% | 38th below |
| Cost of Funds | 1.59% | 1.88% | -0.29% | 64th above |
| Net Interest Spread | 3.20% | 3.32% | -0.12% | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.54% | 0.94% | -0.40% | 43rd below |
| NPA / Total Assets | 0.28% | 0.70% | -0.42% | 53rd above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 81st top |
| ACL / Total Loans | 1.37% | 1.28% | +0.09% | 70th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 253.89% | 1539.42% | -1285.53% | 55th above |
| Texas Ratio | 3.02% | 7.33% | -4.31% | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.70% | 19.50% | -1.80% | 68th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.70% | 19.54% | -1.84% | 68th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.96% | 20.62% | -1.66% | 68th above |
| Leverage Ratio | 8.85% | 12.14% | -3.29% | 11th bottom |
| Equity / Assets | 8.52% | 11.38% | -2.86% | 20th bottom |
| TCE / Tangible Assets | 8.52% | 11.09% | -2.57% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 57.12% | 80.65% | -23.53% | 86th top |
| Core Deposit Ratio | 94.53% | 86.86% | +7.67% | 82nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.81% | 6.85% | +1.96% | 79th top |
| Loan Growth (Y/Y) | 12.64% | 7.90% | +4.74% | 81st top |
| Deposit Growth (Y/Y) | 9.04% | 6.29% | +2.75% | 79th top |
See First National Bank of Coffee County'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 Coffee County, 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 Coffee County profile, how to read a UBPR, or how this data updates.