The First National Bank of Frederick: 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 Frederick of Frederick, SD against its peer group of 506 similarly-sized US banks as of Q3 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 | 0.00% | 0.80% | -0.80% | 10th bottom |
| ROAE | 0.00% | 4.56% | -4.56% | 10th bottom |
| Net Interest Margin | 2.13% | 3.96% | -1.83% | 3rd bottom |
| Efficiency Ratio | 99.35% | 76.29% | +23.06% | 5th bottom |
| PPNR / Avg Assets | 0.01% | — | — | 7th bottom |
| Yield on Earning Assets | 3.60% | 5.45% | -1.85% | 2nd bottom |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.54% | 1.72% | -0.18% | 41st below |
| Net Interest Spread | 1.45% | — | — | 2nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.41% | -1.41% | 79th top |
| NPA / Total Assets | 0.00% | — | — | 81st top |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 50th above |
| ACL / Total Loans | 3.97% | — | — | 97th top |
| Texas Ratio | 0.00% | 8.94% | -8.94% | 86th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.11% | 14.22% | -1.11% | 46th below |
| Equity / Assets | 10.73% | 13.16% | -2.43% | 38th below |
| TCE / Tangible Assets | 10.73% | — | — | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 17.05% | 69.24% | -52.19% | 98th top |
| Core Deposit Ratio | 83.86% | 88.77% | -4.91% | 20th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.99% | — | — | 80th top |
| Loan Growth (Y/Y) | -25.83% | — | — | 2nd bottom |
| Deposit Growth (Y/Y) | 8.00% | — | — | 84th top |
See The First National Bank of Frederick'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 Frederick, 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 Frederick profile, how to read a UBPR, or how this data updates.