The First National Bank of Hutchinson: 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 Hutchinson of Hutchinson, KS against its peer group of 927 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. | 1.44% | 1.46% | -0.02% | 63rd above |
| ROAE | 14.09% | 12.69% | +1.40% | 63rd above |
| Net Interest Margin | 3.65% | 3.85% | -0.20% | 46th below |
| Efficiency Ratio Behind the peer average, ahead of the median peer. | 58.74% | 57.40% | +1.34% | 50th above |
| PPNR / Avg Assets | 1.90% | 1.88% | +0.02% | 63rd above |
| Yield on Earning Assets | 5.51% | 5.72% | -0.21% | 49th below |
| Cost of Funds | 1.53% | 2.02% | -0.49% | 80th top |
| Net Interest Spread | 1.53% | 3.18% | -1.65% | 3rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.29% | 1.00% | -0.71% | 74th above |
| NPA / Total Assets | 0.25% | 0.76% | -0.51% | 70th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.43% | -0.35% | 33rd below |
| ACL / Total Loans | 1.44% | 1.31% | +0.13% | 83rd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 491.87% | 564.39% | -72.52% | 81st top |
| Texas Ratio | 2.37% | 7.39% | -5.02% | 73rd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 260.87% | 618.74% | -357.87% | 65th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.17% | 17.34% | -2.17% | 72nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.17% | 17.37% | -2.20% | 71st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.42% | 18.42% | -2.00% | 73rd above |
| Leverage Ratio | 11.49% | 11.44% | +0.05% | 70th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.63% | 11.34% | -0.71% | 54th above |
| TCE / Tangible Assets | 10.56% | 10.50% | +0.06% | 65th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.23% | 86.95% | -1.72% | 58th above |
| Core Deposit Ratio | 74.91% | 85.56% | -10.65% | 13th bottom |
| Uninsured Deposit Ratio | 16.49% | 33.13% | -16.64% | 90th top |
| Wholesale Funding Ratio | 2.24% | 5.70% | -3.46% | 66th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.74% | 9.68% | -5.94% | 40th below |
| Loan Growth (Y/Y) | -0.20% | 8.06% | -8.26% | 16th bottom |
| Deposit Growth (Y/Y) | 4.01% | 7.88% | -3.87% | 44th below |
See The First National Bank of Hutchinson's peers by name
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Unlock The First National Bank of Hutchinson, 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 Hutchinson profile, how to read a UBPR, or how this data updates.