The First National Bank of Dryden: 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 Dryden of Dryden, NY 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 | 1.15% | 1.34% | -0.19% | 41st below |
| ROAE | 9.95% | 13.31% | -3.36% | 36th below |
| Net Interest Margin | 4.50% | 3.93% | +0.57% | 79th top |
| Efficiency Ratio | 54.72% | 61.14% | -6.42% | 70th above |
| PPNR / Avg Assets | 1.98% | 1.68% | +0.30% | 71st above |
| Yield on Earning Assets | 4.76% | 5.67% | -0.91% | 15th bottom |
| Cost of Funds | 0.28% | 1.88% | -1.60% | 99th top |
| Net Interest Spread | 4.30% | 3.32% | +0.98% | 91st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.26% | 0.94% | -0.68% | 60th above |
| NPA / Total Assets | 0.17% | 0.70% | -0.53% | 62nd above |
| NCO / Avg Loans | 0.41% | 0.16% | +0.25% | 7th bottom |
| ACL / Total Loans | 1.47% | 1.28% | +0.19% | 76th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 572.90% | 1538.88% | -965.98% | 74th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.08% | 7.33% | -3.25% | 46th below |
| Provision / NCO | 130.20% | 1395.87% | -1265.67% | 47th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.55% | 12.14% | +1.41% | 79th top |
| Equity / Assets | 11.85% | 11.37% | +0.48% | 69th above |
| TCE / Tangible Assets | 11.85% | 11.09% | +0.76% | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 56.88% | 80.64% | -23.76% | 86th top |
| Core Deposit Ratio | 94.42% | 86.86% | +7.56% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.11% | 6.85% | -10.96% | 6th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.01% | 7.90% | -0.89% | 60th above |
| Deposit Growth (Y/Y) | -5.83% | 6.29% | -12.12% | 5th bottom |
See The First National Bank of Dryden's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Dryden, 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 Dryden profile, how to read a UBPR, or how this data updates.