The First National Bank of Mertzon: 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 Mertzon of Mertzon, TX 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 | 1.83% | 1.34% | +0.49% | 79th top |
| ROAE | 11.76% | 13.32% | -1.56% | 46th below |
| Net Interest Margin | 3.39% | 3.93% | -0.54% | 23rd bottom |
| Efficiency Ratio | 28.94% | 61.15% | -32.21% | 99th top |
| PPNR / Avg Assets | 2.40% | 1.68% | +0.72% | 87th top |
| Yield on Earning Assets | 3.93% | 5.67% | -1.74% | 2nd bottom |
| Cost of Funds | 0.62% | 1.88% | -1.26% | 97th top |
| Net Interest Spread | 3.03% | 3.32% | -0.29% | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 40th below |
| ACL / Total Loans | 1.77% | 1.28% | +0.49% | 89th top |
| Texas Ratio | 0.00% | 7.34% | -7.34% | 95th top |
| Provision / NCO | 0.00% | 1395.89% | -1395.89% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 76.85% | 19.44% | +57.41% | 98th top |
| Tier 1 Ratio | 76.85% | 19.47% | +57.38% | 98th top |
| Total Capital Ratio | 78.10% | 20.56% | +57.54% | 98th top |
| Leverage Ratio | 15.75% | 12.14% | +3.61% | 89th top |
| Equity / Assets | 15.77% | 11.36% | +4.41% | 90th top |
| TCE / Tangible Assets | 15.77% | 11.08% | +4.69% | 91st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 21.68% | 80.69% | -59.01% | 99th top |
| Core Deposit Ratio | 94.80% | 86.85% | +7.95% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -7.30% | 6.85% | -14.15% | 3rd bottom |
| Loan Growth (Y/Y) | 22.69% | 7.91% | +14.78% | 94th top |
| Deposit Growth (Y/Y) | -10.15% | 6.30% | -16.45% | 2nd bottom |
See The First National Bank of Mertzon'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 Mertzon, 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 Mertzon profile, how to read a UBPR, or how this data updates.