The First National Bank of Hughes Springs: 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 Hughes Springs of Hughes Springs, TX 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 | 1.97% | 1.34% | +0.63% | 84th top |
| ROAE | 18.26% | 13.31% | +4.95% | 81st top |
| Net Interest Margin | 6.43% | 3.93% | +2.50% | 99th top |
| Efficiency Ratio | 67.85% | 61.14% | +6.71% | 33rd below |
| PPNR / Avg Assets | 1.72% | 1.68% | +0.04% | 58th above |
| Yield on Earning Assets | 6.66% | 5.67% | +0.99% | 90th top |
| Cost of Funds | 0.27% | 1.88% | -1.61% | 99th top |
| Net Interest Spread | 6.10% | 3.32% | +2.78% | 99th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.00% | 0.94% | +0.06% | 28th below |
| NPA / Total Assets | 0.78% | 0.70% | +0.08% | 27th below |
| NCO / Avg Loans | -0.17% | 0.16% | -0.33% | 98th top |
| ACL / Total Loans | 1.34% | 1.28% | +0.06% | 67th above |
| ACL / NPLs (Coverage) | 134.28% | 1539.15% | -1404.87% | 37th below |
| Texas Ratio | 15.94% | 7.33% | +8.61% | 11th bottom |
| Provision / NCO | 123.33% | 1396.09% | -1272.76% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.08% | 19.50% | -2.42% | 64th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.08% | 19.54% | -2.46% | 64th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.33% | 20.62% | -2.29% | 64th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.04% | 12.14% | -1.10% | 52nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.17% | 11.37% | -0.20% | 62nd above |
| TCE / Tangible Assets | 11.11% | 11.09% | +0.02% | 65th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.61% | 80.64% | -7.03% | 64th above |
| Core Deposit Ratio | 96.17% | 86.86% | +9.31% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.51% | 6.85% | -7.36% | 17th bottom |
| Loan Growth (Y/Y) | -7.38% | 7.91% | -15.29% | 4th bottom |
| Deposit Growth (Y/Y) | -0.54% | 6.29% | -6.83% | 20th bottom |
See The First National Bank of Hughes Springs'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 Hughes Springs, 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 Hughes Springs profile, how to read a UBPR, or how this data updates.