The First National Bank of Lipan: 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 Lipan of Lipan, TX 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 | 0.82% | 3.13% | -2.31% | 39th below |
| ROAE | 7.75% | 10.30% | -2.55% | 47th below |
| Net Interest Margin | 4.36% | 3.94% | +0.42% | 70th above |
| Efficiency Ratio | 76.47% | 76.31% | +0.16% | 38th below |
| PPNR / Avg Assets | 0.97% | 1.40% | -0.43% | 37th below |
| Yield on Earning Assets | 4.50% | 5.35% | -0.85% | 23rd bottom |
| Cost of Funds | 0.14% | 1.70% | -1.56% | 97th top |
| Net Interest Spread | 4.18% | 3.32% | +0.86% | 82nd top |
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 | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 1.19% | 1.49% | -0.30% | 45th below |
| Texas Ratio | 0.00% | 8.27% | -8.27% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 39.10% | 62.20% | -23.10% | 72nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 39.10% | 62.21% | -23.11% | 72nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 40.34% | 63.17% | -22.83% | 72nd above |
| Leverage Ratio | 10.64% | 17.65% | -7.01% | 25th below |
| Equity / Assets | 10.85% | 16.45% | -5.60% | 34th below |
| TCE / Tangible Assets | 10.85% | 16.20% | -5.35% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 32.46% | 72.86% | -40.40% | 89th top |
| Core Deposit Ratio | 97.82% | 88.27% | +9.55% | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -13.48% | 4.27% | -17.75% | 3rd bottom |
| Loan Growth (Y/Y) | -5.40% | 6.76% | -12.16% | 19th bottom |
| Deposit Growth (Y/Y) | -15.54% | 3.74% | -19.28% | 3rd bottom |
See The First National Bank of Lipan's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Lipan, 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 Lipan profile, how to read a UBPR, or how this data updates.