First National Bank of Griffin: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank of Griffin of Griffin, GA 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 | 1.53% | 1.34% | +0.19% | 64th above |
| ROAE | 16.78% | 13.31% | +3.47% | 75th top |
| Net Interest Margin | 4.56% | 3.93% | +0.63% | 81st top |
| Efficiency Ratio | 60.26% | 61.14% | -0.88% | 53rd above |
| PPNR / Avg Assets | 2.04% | 1.68% | +0.36% | 74th above |
| Yield on Earning Assets | 5.06% | 5.67% | -0.61% | 26th below |
| Cost of Funds | 0.56% | 1.88% | -1.32% | 98th top |
| Net Interest Spread | 4.25% | 3.32% | +0.93% | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.94% | -0.90% | 79th top |
| NPA / Total Assets | 0.02% | 0.70% | -0.68% | 83rd top |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 77th top |
| ACL / Total Loans | 1.31% | 1.28% | +0.03% | 63rd above |
| ACL / NPLs (Coverage) | 3020.00% | 1538.09% | +1481.91% | — |
| Texas Ratio | 0.22% | 7.33% | -7.11% | 85th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.70% | 19.50% | -1.80% | 68th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.70% | 19.54% | -1.84% | 68th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.72% | 20.62% | -1.90% | 66th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.41% | 12.14% | -0.73% | 57th above |
| Equity / Assets | 9.29% | 11.38% | -2.09% | 32nd below |
| TCE / Tangible Assets | 9.29% | 11.09% | -1.80% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 57.36% | 80.65% | -23.29% | 86th top |
| Core Deposit Ratio | 98.33% | 86.86% | +11.47% | 96th top |
| Wholesale Funding Ratio | 3.22% | 5.03% | -1.81% | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.11% | 6.85% | -6.74% | 20th bottom |
| Loan Growth (Y/Y) | 17.35% | 7.90% | +9.45% | 89th top |
| Deposit Growth (Y/Y) | -0.54% | 6.29% | -6.83% | 20th bottom |
See First National Bank of Griffin's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank of Griffin, 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 First National Bank of Griffin profile, how to read a UBPR, or how this data updates.