The First National Bank of Dennison, Ohio: 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 Dennison, Ohio of Dennison, OH against its peer group of 2603 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 | 0.56% | 1.35% | -0.79% | 15th bottom |
| ROAE | 8.30% | 13.32% | -5.02% | 27th below |
| Net Interest Margin | 4.85% | 3.93% | +0.92% | 89th top |
| Efficiency Ratio | 85.08% | 61.12% | +23.96% | 10th bottom |
| PPNR / Avg Assets | 0.68% | 1.68% | -1.00% | 12th bottom |
| Yield on Earning Assets | 5.84% | 5.67% | +0.17% | 61st above |
| Cost of Funds | 1.03% | 1.88% | -0.85% | 90th top |
| Net Interest Spread | 4.52% | 3.32% | +1.20% | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.94% | -0.90% | 79th top |
| NPA / Total Assets | 0.03% | 0.70% | -0.67% | 82nd top |
| NCO / Avg Loans | 0.23% | 0.16% | +0.07% | 11th bottom |
| ACL / Total Loans | 1.12% | 1.28% | -0.16% | 40th below |
| ACL / NPLs (Coverage) | 2595.71% | 1545.82% | +1049.89% | — |
| Texas Ratio | 1.67% | 7.34% | -5.67% | 66th above |
| Provision / NCO | 28.90% | 1395.40% | -1366.50% | 25th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.25% | 12.14% | -1.89% | 37th below |
| Equity / Assets | 7.18% | 11.37% | -4.19% | 8th bottom |
| TCE / Tangible Assets | 7.18% | 11.08% | -3.90% | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.76% | 80.67% | -14.91% | 76th top |
| Core Deposit Ratio | 96.52% | 86.85% | +9.67% | 91st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.50% | 6.84% | -8.34% | 12th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.07% | 7.92% | -1.85% | 55th above |
| Deposit Growth (Y/Y) | -2.56% | 6.29% | -8.85% | 12th bottom |
See The First National Bank of Dennison, Ohio's peers by name
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Unlock The First National Bank of Dennison, Ohio, 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 Dennison, Ohio profile, how to read a UBPR, or how this data updates.