First National Bank of Izard County: 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 Izard County of Calico Rock, AR against its peer group of 2603 similarly-sized US banks as of Q3 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 | 2.68% | 1.25% | +1.43% | 96th top |
| ROAE | 8.91% | 13.21% | -4.30% | 21st bottom |
| Net Interest Margin | 5.09% | 3.95% | +1.14% | 89th top |
| Efficiency Ratio | 43.93% | 61.29% | -17.36% | 89th top |
| PPNR / Avg Assets | 2.89% | — | — | 95th top |
| Yield on Earning Assets | 6.16% | 5.68% | +0.48% | 74th above |
| Cost of Funds | 1.46% | 1.88% | -0.42% | 67th above |
| Net Interest Spread | 4.14% | — | — | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.13% | 0.93% | +1.20% | 15th bottom |
| NPA / Total Assets | 1.11% | — | — | 15th bottom |
| NCO / Avg Loans | 0.35% | 0.16% | +0.19% | 9th bottom |
| ACL / Total Loans | 0.81% | — | — | 5th bottom |
| ACL / NPLs (Coverage) | 37.98% | — | — | 9th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.61% | 7.37% | -3.76% | 42nd below |
| Provision / NCO | 0.00% | — | — | 8th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 31.88% | 11.73% | +20.15% | 100th top |
| Equity / Assets | 30.38% | 10.97% | +19.41% | 100th top |
| TCE / Tangible Assets | 30.38% | — | — | 100th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.60% | 80.71% | -7.11% | 55th above |
| Core Deposit Ratio | 90.33% | 86.89% | +3.44% | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.91% | — | — | 53rd above |
| Loan Growth (Y/Y) | 3.84% | — | — | 37th below |
| Deposit Growth (Y/Y) | 3.20% | — | — | 46th below |
See First National Bank of Izard County's peers by name
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Unlock First National Bank of Izard County, 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 Izard County profile, how to read a UBPR, or how this data updates.