The First National Bank of Groton: 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 Groton of Groton, NY 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 Behind the peer average, ahead of the median peer. | 1.26% | 1.34% | -0.08% | 50th above |
| ROAE | 9.75% | 13.31% | -3.56% | 34th below |
| Net Interest Margin | 4.39% | 3.93% | +0.46% | 75th top |
| Efficiency Ratio | 65.46% | 61.14% | +4.32% | 38th below |
| PPNR / Avg Assets | 1.54% | 1.68% | -0.14% | 47th below |
| Yield on Earning Assets | 4.98% | 5.67% | -0.69% | 23rd bottom |
| Cost of Funds | 0.69% | 1.88% | -1.19% | 97th top |
| Net Interest Spread | 4.00% | 3.32% | +0.68% | 83rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.47% | 0.94% | -0.47% | 47th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.43% | 0.70% | -0.27% | 42nd below |
| NCO / Avg Loans | 0.17% | 0.16% | +0.01% | 14th bottom |
| ACL / Total Loans | 1.30% | 1.28% | +0.02% | 62nd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 277.06% | 1538.95% | -1261.89% | 57th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.23% | 7.33% | -0.10% | 30th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 181.40% | 1395.85% | -1214.45% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.58% | 12.14% | +2.44% | 84th top |
| Equity / Assets | 13.50% | 11.37% | +2.13% | 82nd top |
| TCE / Tangible Assets | 13.50% | 11.09% | +2.41% | 83rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.44% | 80.64% | -20.20% | 83rd top |
| Core Deposit Ratio | 92.30% | 86.86% | +5.44% | 69th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.33% | 6.85% | -3.52% | 42nd below |
| Loan Growth (Y/Y) | 3.80% | 7.90% | -4.10% | 41st below |
| Deposit Growth (Y/Y) | 2.18% | 6.29% | -4.11% | 36th below |
See The First National Bank of Groton'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 Groton, 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 Groton profile, how to read a UBPR, or how this data updates.