First National Bank of Commerce: 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 Commerce of Walnut Ridge, AR 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 | 1.59% | 1.34% | +0.25% | 68th above |
| ROAE | 19.47% | 13.31% | +6.16% | 86th top |
| Net Interest Margin | 4.07% | 3.93% | +0.14% | 57th above |
| Efficiency Ratio Behind the peer average, ahead of the median peer. | 61.28% | 61.14% | +0.14% | 50th above |
| PPNR / Avg Assets | 1.58% | 1.68% | -0.10% | 49th below |
| Yield on Earning Assets | 5.29% | 5.67% | -0.38% | 35th below |
| Cost of Funds | 1.28% | 1.88% | -0.60% | 81st top |
| Net Interest Spread | 3.73% | 3.32% | +0.41% | 72nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.34% | 0.94% | -0.60% | 55th above |
| NPA / Total Assets | 0.18% | 0.70% | -0.52% | 62nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 27th below |
| ACL / Total Loans | 0.93% | 1.28% | -0.35% | 19th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 276.88% | 1539.07% | -1262.19% | 57th above |
| Texas Ratio | 1.91% | 7.33% | -5.42% | 63rd above |
| Provision / NCO | 1033.33% | 1395.65% | -362.32% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.65% | 12.14% | -1.49% | 44th below |
| Equity / Assets | 8.91% | 11.38% | -2.47% | 26th below |
| TCE / Tangible Assets | 8.91% | 11.09% | -2.18% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 58.73% | 80.64% | -21.91% | 85th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.51% | 86.86% | +0.65% | 41st below |
| Wholesale Funding Ratio | 0.06% | 5.04% | -4.98% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.74% | 6.85% | -3.11% | 45th below |
| Loan Growth (Y/Y) | 24.28% | 7.90% | +16.38% | 95th top |
| Deposit Growth (Y/Y) | 2.19% | 6.29% | -4.10% | 36th below |
See First National Bank of Commerce'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 Commerce, 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 Commerce profile, how to read a UBPR, or how this data updates.