First National Bank of Johnson: 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 Johnson of Johnson, NE against its peer group of 506 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 | 0.56% | 3.14% | -2.58% | 29th below |
| ROAE | 3.64% | 10.32% | -6.68% | 28th below |
| Net Interest Margin | 2.67% | 3.94% | -1.27% | 9th bottom |
| Efficiency Ratio | 78.07% | 76.31% | +1.76% | 35th below |
| PPNR / Avg Assets | 0.56% | 1.41% | -0.85% | 22nd bottom |
| Yield on Earning Assets | 3.56% | 5.36% | -1.80% | 6th bottom |
| Cost of Funds | 1.01% | 1.70% | -0.69% | 78th top |
| Net Interest Spread | 2.25% | 3.32% | -1.07% | 14th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.10% | -0.09% | 25th below |
| ACL / Total Loans | 0.76% | 1.49% | -0.73% | 13th bottom |
| Texas Ratio | 0.00% | 8.28% | -8.28% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 15.17% | 17.65% | -2.48% | 64th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 15.69% | 16.45% | -0.76% | 69th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 15.29% | 16.19% | -0.90% | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 39.04% | 72.92% | -33.88% | 85th top |
| Core Deposit Ratio | 95.12% | 88.26% | +6.86% | 72nd above |
| Wholesale Funding Ratio | 0.21% | 5.21% | -5.00% | 94th 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. | 3.47% | 4.26% | -0.79% | 56th above |
| Loan Growth (Y/Y) | 8.06% | 6.75% | +1.31% | 74th above |
| Deposit Growth (Y/Y) | 3.76% | 3.72% | +0.04% | 59th above |
See First National Bank of Johnson's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank of Johnson, 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 Johnson profile, how to read a UBPR, or how this data updates.