The First National Bank of Manchester: 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 Manchester of Manchester, KY against its peer group of 2603 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 | 0.98% | 1.34% | -0.36% | 32nd below |
| ROAE | 10.30% | 13.32% | -3.02% | 38th below |
| Net Interest Margin | 4.62% | 3.93% | +0.69% | 83rd top |
| Efficiency Ratio | 75.34% | 61.13% | +14.21% | 19th bottom |
| PPNR / Avg Assets | 1.11% | 1.68% | -0.57% | 25th below |
| Yield on Earning Assets | 5.96% | 5.67% | +0.29% | 66th above |
| Cost of Funds | 1.25% | 1.88% | -0.63% | 82nd top |
| Net Interest Spread | 3.42% | 3.32% | +0.10% | 55th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.68% | 0.94% | -0.26% | 38th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.47% | 0.70% | -0.23% | 40th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 48th below |
| ACL / Total Loans | 1.39% | 1.28% | +0.11% | 71st above |
| ACL / NPLs (Coverage) | 203.26% | 1546.45% | -1343.19% | 48th below |
| Texas Ratio | 11.39% | 7.34% | +4.05% | 19th bottom |
| Provision / NCO | 0.00% | 1395.34% | -1395.34% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.52% | 19.49% | -4.97% | 44th below |
| Tier 1 Ratio | 14.52% | 19.52% | -5.00% | 44th below |
| Total Capital Ratio | 15.77% | 20.61% | -4.84% | 45th below |
| Leverage Ratio | 9.86% | 12.14% | -2.28% | 28th below |
| Equity / Assets | 9.83% | 11.37% | -1.54% | 42nd below |
| TCE / Tangible Assets | 9.83% | 11.08% | -1.25% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.25% | 80.66% | -4.41% | 59th above |
| Core Deposit Ratio | 68.99% | 86.85% | -17.86% | 5th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.44% | 6.84% | -6.40% | 22nd bottom |
| Loan Growth (Y/Y) | -0.94% | 7.92% | -8.86% | 19th bottom |
| Deposit Growth (Y/Y) | -0.38% | 6.29% | -6.67% | 21st bottom |
See The First National Bank of Manchester's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Manchester, 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 Manchester profile, how to read a UBPR, or how this data updates.