The First National Bank of McGregor: 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 McGregor of McGregor, TX 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 | 1.23% | 1.46% | -0.23% | 46th below |
| ROAE | 14.08% | 12.69% | +1.39% | 63rd above |
| Net Interest Margin | 4.31% | 3.85% | +0.46% | 83rd top |
| Efficiency Ratio | 61.95% | 57.40% | +4.55% | 39th below |
| PPNR / Avg Assets | 1.67% | 1.88% | -0.21% | 46th below |
| Yield on Earning Assets | 7.42% | 5.72% | +1.70% | 96th top |
| Cost of Funds | 3.19% | 2.02% | +1.17% | 5th bottom |
| Net Interest Spread | 3.94% | 3.18% | +0.76% | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.40% | 1.00% | +1.40% | 8th bottom |
| NPA / Total Assets | 2.30% | 0.76% | +1.54% | 5th bottom |
| NCO / Avg Loans | 0.50% | 0.43% | +0.07% | 9th bottom |
| ACL / Total Loans | 1.32% | 1.31% | +0.01% | 72nd above |
| ACL / NPLs (Coverage) | 54.88% | 564.58% | -509.70% | 11th bottom |
| Texas Ratio | 26.88% | 7.38% | +19.50% | 3rd bottom |
| Provision / NCO | 85.71% | 618.81% | -533.10% | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.06% | 17.34% | -5.28% | 26th below |
| Tier 1 Ratio | 12.06% | 17.37% | -5.31% | 26th below |
| Total Capital Ratio | 13.31% | 18.42% | -5.11% | 29th below |
| Leverage Ratio | 9.55% | 11.44% | -1.89% | 23rd bottom |
| Equity / Assets | 8.47% | 11.34% | -2.87% | 12th bottom |
| TCE / Tangible Assets | 8.47% | 10.50% | -2.03% | 19th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.26% | 86.95% | -1.69% | 58th above |
| Core Deposit Ratio | 67.46% | 85.56% | -18.10% | 7th bottom |
| Wholesale Funding Ratio | 0.97% | 5.70% | -4.73% | 82nd 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. | 9.60% | 9.68% | -0.08% | 75th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.27% | 8.06% | -0.79% | 60th above |
| Deposit Growth (Y/Y) | 8.31% | 7.88% | +0.43% | 69th above |
See The First National Bank of McGregor's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of McGregor, 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 McGregor profile, how to read a UBPR, or how this data updates.