First National Bank of Dublin: 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 Dublin of Dublin, TX 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 | 2.02% | 1.34% | +0.68% | 86th top |
| ROAE | 16.36% | 13.32% | +3.04% | 73rd above |
| Net Interest Margin | 5.86% | 3.93% | +1.93% | 98th top |
| Efficiency Ratio | 66.48% | 61.13% | +5.35% | 36th below |
| PPNR / Avg Assets | 2.16% | 1.68% | +0.48% | 79th top |
| Yield on Earning Assets | 6.54% | 5.67% | +0.87% | 88th top |
| Cost of Funds | 0.81% | 1.88% | -1.07% | 95th top |
| Net Interest Spread | 5.05% | 3.32% | +1.73% | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.10% | 0.94% | -0.84% | 73rd above |
| NPA / Total Assets | 0.07% | 0.70% | -0.63% | 73rd above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 85th top |
| ACL / Total Loans | 1.86% | 1.28% | +0.58% | 91st top |
| ACL / NPLs (Coverage) | 1800.00% | 1546.08% | +253.92% | — |
| Texas Ratio | 0.54% | 7.34% | -6.80% | 79th top |
| Provision / NCO | 107.84% | 1395.12% | -1287.28% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.70% | 19.49% | -2.79% | 62nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.70% | 19.52% | -2.82% | 62nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.96% | 20.61% | -2.65% | 63rd above |
| Leverage Ratio | 12.41% | 12.14% | +0.27% | 69th above |
| Equity / Assets | 12.56% | 11.36% | +1.20% | 75th top |
| TCE / Tangible Assets | 12.56% | 11.08% | +1.48% | 77th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.62% | 80.66% | +1.96% | 46th below |
| Core Deposit Ratio | 96.35% | 86.85% | +9.50% | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.28% | 6.84% | -5.56% | 27th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.05% | 7.92% | -0.87% | 60th above |
| Deposit Growth (Y/Y) | 0.40% | 6.29% | -5.89% | 25th below |
See First National Bank of Dublin's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank of Dublin, 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 Dublin profile, how to read a UBPR, or how this data updates.