The First National Bank of Gilbert: 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 Gilbert of Gilbert, MN 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 | 0.88% | 3.14% | -2.26% | 42nd below |
| ROAE | 12.38% | 10.30% | +2.08% | 70th above |
| Net Interest Margin | 3.68% | 3.94% | -0.26% | 38th below |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 71.00% | 76.33% | -5.33% | 48th below |
| PPNR / Avg Assets | 1.07% | 1.40% | -0.33% | 41st below |
| Yield on Earning Assets | 5.40% | 5.35% | +0.05% | 58th above |
| Cost of Funds | 1.88% | 1.70% | +0.18% | 34th below |
| Net Interest Spread | 3.33% | 3.32% | +0.01% | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.16% | 1.34% | -1.18% | 55th above |
| NPA / Total Assets | 0.13% | 0.71% | -0.58% | 51st above |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 1.05% | 1.49% | -0.44% | 33rd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 671.56% | 865.85% | -194.29% | 83rd top |
| Texas Ratio | 1.64% | 8.28% | -6.64% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.62% | 62.42% | -49.80% | 10th bottom |
| Tier 1 Ratio | 12.62% | 62.42% | -49.80% | 10th bottom |
| Total Capital Ratio | 13.88% | 63.39% | -49.51% | 11th bottom |
| Leverage Ratio | 7.12% | 17.67% | -10.55% | 2nd bottom |
| Equity / Assets | 7.14% | 16.47% | -9.33% | 5th bottom |
| TCE / Tangible Assets | 7.14% | 16.21% | -9.07% | 5th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.14% | 72.79% | +19.35% | 16th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 90.52% | 88.27% | +2.25% | 46th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.07% | 5.18% | -1.11% | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.86% | 4.26% | +0.60% | 63rd above |
| Loan Growth (Y/Y) | 8.05% | 6.75% | +1.30% | 73rd above |
| Deposit Growth (Y/Y) | 8.04% | 3.71% | +4.33% | 78th top |
See The First National Bank of Gilbert'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 Gilbert, 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 Gilbert profile, how to read a UBPR, or how this data updates.