The First National Bank of Eagle Lake: 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 Eagle Lake of Eagle Lake, 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 | 1.72% | 1.34% | +0.38% | 75th top |
| ROAE | 15.75% | 13.32% | +2.43% | 70th above |
| Net Interest Margin | 5.08% | 3.93% | +1.15% | 93rd top |
| Efficiency Ratio | 64.71% | 61.13% | +3.58% | 40th below |
| PPNR / Avg Assets | 1.84% | 1.68% | +0.16% | 65th above |
| Yield on Earning Assets | 6.02% | 5.67% | +0.35% | 69th above |
| Cost of Funds | 0.74% | 1.88% | -1.14% | 96th top |
| Net Interest Spread | 4.47% | 3.32% | +1.15% | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.25% | 0.94% | +1.31% | 11th bottom |
| NPA / Total Assets | 1.44% | 0.70% | +0.74% | 13th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 39th below |
| ACL / Total Loans | 1.80% | 1.28% | +0.52% | 90th top |
| ACL / NPLs (Coverage) | 79.95% | 1546.38% | -1466.43% | 21st bottom |
| Texas Ratio | 11.55% | 7.34% | +4.21% | 18th bottom |
| Provision / NCO | 1800.00% | 1394.77% | +405.23% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.38% | 12.14% | -0.76% | 56th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.34% | 11.36% | -0.02% | 64th above |
| TCE / Tangible Assets | 11.34% | 11.08% | +0.26% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.83% | 80.66% | -7.83% | 66th above |
| Core Deposit Ratio | 90.33% | 86.85% | +3.48% | 57th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.86% | 6.84% | -2.98% | 46th below |
| Loan Growth (Y/Y) | 0.88% | 7.92% | -7.04% | 26th below |
| Deposit Growth (Y/Y) | 6.72% | 6.29% | +0.43% | 69th above |
See The First National Bank of Eagle Lake's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Eagle Lake, 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 Eagle Lake profile, how to read a UBPR, or how this data updates.