First National Bank of Huntsville: 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 Huntsville of Huntsville, 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 | 1.83% | 1.34% | +0.49% | 80th top |
| ROAE | 13.41% | 13.31% | +0.10% | 56th above |
| Net Interest Margin | 4.44% | 3.93% | +0.51% | 77th top |
| Efficiency Ratio | 54.32% | 61.14% | -6.82% | 71st above |
| PPNR / Avg Assets | 2.32% | 1.68% | +0.64% | 84th top |
| Yield on Earning Assets | 5.45% | 5.67% | -0.22% | 43rd below |
| Cost of Funds | 1.14% | 1.88% | -0.74% | 87th top |
| Net Interest Spread | 3.61% | 3.32% | +0.29% | 65th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.94% | -0.90% | 80th top |
| NPA / Total Assets | 0.04% | 0.70% | -0.66% | 78th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 46th below |
| ACL / Total Loans | 1.91% | 1.28% | +0.63% | 92nd top |
| ACL / NPLs (Coverage) | 4919.57% | 1536.58% | +3382.99% | — |
| Texas Ratio | 0.36% | 7.34% | -6.98% | 82nd top |
| Provision / NCO | 4500.00% | 1392.81% | +3107.19% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.29% | 12.14% | +1.15% | 77th top |
| Equity / Assets | 13.74% | 11.37% | +2.37% | 83rd top |
| TCE / Tangible Assets | 12.98% | 11.09% | +1.89% | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.01% | 80.64% | -9.63% | 69th above |
| Core Deposit Ratio | 93.30% | 86.86% | +6.44% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.55% | 6.85% | -1.30% | 59th above |
| Loan Growth (Y/Y) | 2.81% | 7.91% | -5.10% | 35th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.65% | 6.29% | -0.64% | 62nd above |
See First National Bank of Huntsville'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 Huntsville, 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 Huntsville profile, how to read a UBPR, or how this data updates.