First National Bank of Hartford: 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 Hartford of Hartford, AL 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 | 1.15% | 1.34% | -0.19% | 42nd below |
| ROAE | 10.52% | 13.31% | -2.79% | 39th below |
| Net Interest Margin | 4.65% | 3.93% | +0.72% | 84th top |
| Efficiency Ratio | 75.40% | 61.14% | +14.26% | 19th bottom |
| PPNR / Avg Assets | 1.37% | 1.68% | -0.31% | 38th below |
| Yield on Earning Assets | 6.19% | 5.67% | +0.52% | 77th top |
| Cost of Funds | 1.55% | 1.88% | -0.33% | 66th above |
| Net Interest Spread | 4.23% | 3.32% | +0.91% | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.01% | 0.94% | +0.07% | 28th below |
| NPA / Total Assets | 1.04% | 0.70% | +0.34% | 19th bottom |
| NCO / Avg Loans | 0.25% | 0.16% | +0.09% | 10th bottom |
| ACL / Total Loans | 1.08% | 1.28% | -0.20% | 36th below |
| ACL / NPLs (Coverage) | 107.25% | 1538.93% | -1431.68% | 30th below |
| Texas Ratio | 10.16% | 7.33% | +2.83% | 22nd bottom |
| Provision / NCO | 140.00% | 1395.81% | -1255.81% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.88% | 12.14% | +0.74% | 74th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.20% | 11.37% | -0.17% | 63rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.89% | 11.09% | -0.20% | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.80% | 80.64% | -17.84% | 80th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.66% | 86.86% | +0.80% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.02% | 6.85% | +0.17% | 69th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.97% | 7.90% | -0.93% | 60th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.10% | 6.29% | -0.19% | 65th above |
See First National Bank of Hartford'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 Hartford, 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 Hartford profile, how to read a UBPR, or how this data updates.