The First National Bank of East Texas: 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 East Texas of Gilmer, TX 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 | 1.61% | 1.34% | +0.27% | 69th above |
| ROAE | 17.85% | 13.31% | +4.54% | 79th top |
| Net Interest Margin | 4.42% | 3.93% | +0.49% | 76th top |
| Efficiency Ratio | 58.59% | 61.14% | -2.55% | 58th above |
| PPNR / Avg Assets | 1.98% | 1.68% | +0.30% | 71st above |
| Yield on Earning Assets | 6.26% | 5.67% | +0.59% | 79th top |
| Cost of Funds | 1.98% | 1.88% | +0.10% | 38th below |
| Net Interest Spread | 3.72% | 3.32% | +0.40% | 72nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.52% | 0.94% | +0.58% | 18th bottom |
| NPA / Total Assets | 1.15% | 0.70% | +0.45% | 17th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 36th below |
| ACL / Total Loans | 1.35% | 1.28% | +0.07% | 68th above |
| ACL / NPLs (Coverage) | 89.10% | 1539.59% | -1450.49% | 24th bottom |
| Texas Ratio | 12.74% | 7.33% | +5.41% | 16th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.96% | 12.14% | -2.18% | 30th below |
| Equity / Assets | 9.33% | 11.38% | -2.05% | 33rd below |
| TCE / Tangible Assets | 8.44% | 11.09% | -2.65% | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.52% | 80.64% | -3.12% | 56th above |
| Core Deposit Ratio | 78.57% | 86.87% | -8.30% | 13th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.73% | 6.86% | -5.13% | 31st below |
| Loan Growth (Y/Y) | 2.63% | 7.91% | -5.28% | 34th below |
| Deposit Growth (Y/Y) | 0.67% | 6.29% | -5.62% | 27th below |
See The First National Bank of East Texas'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 East Texas, 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 East Texas profile, how to read a UBPR, or how this data updates.