The First National Bank of Fletcher: 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 Fletcher of Fletcher, OK against its peer group of 506 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 | 0.83% | 3.13% | -2.30% | 40th below |
| ROAE Behind the peer average, ahead of the median peer. | 9.32% | 10.30% | -0.98% | 55th above |
| Net Interest Margin | 5.11% | 3.94% | +1.17% | 89th top |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 75.40% | 76.32% | -0.92% | 40th below |
| PPNR / Avg Assets | 0.88% | 1.40% | -0.52% | 34th below |
| Yield on Earning Assets | 5.68% | 5.35% | +0.33% | 67th above |
| Cost of Funds | 0.72% | 1.70% | -0.98% | 91st top |
| Net Interest Spread | 5.13% | 3.32% | +1.81% | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 11.97% | 1.33% | +10.64% | 1st bottom |
| NPA / Total Assets | 2.15% | 0.71% | +1.44% | 7th bottom |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 6.00% | 1.49% | +4.51% | 99th top |
| ACL / NPLs (Coverage) | 50.10% | 865.95% | -815.85% | 17th bottom |
| Texas Ratio | 21.56% | 8.25% | +13.31% | 7th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.93% | 17.65% | -7.72% | 17th bottom |
| Equity / Assets | 8.90% | 16.45% | -7.55% | 16th bottom |
| TCE / Tangible Assets | 8.90% | 16.20% | -7.30% | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 19.79% | 72.87% | -53.08% | 94th top |
| Core Deposit Ratio | 100.00% | 88.27% | +11.73% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.85% | 4.26% | -8.11% | 16th bottom |
| Loan Growth (Y/Y) | -1.57% | 6.76% | -8.33% | 33rd below |
| Deposit Growth (Y/Y) | -4.47% | 3.73% | -8.20% | 16th bottom |
See The First National Bank of Fletcher's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Fletcher, 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 Fletcher profile, how to read a UBPR, or how this data updates.