The First National Bank of Monterey: 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 Monterey of Monterey, IN 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 | 1.06% | 1.34% | -0.28% | 37th below |
| ROAE | 9.75% | 13.32% | -3.57% | 34th below |
| Net Interest Margin | 2.99% | 3.93% | -0.94% | 10th bottom |
| Efficiency Ratio | 55.88% | 61.14% | -5.26% | 67th above |
| PPNR / Avg Assets | 1.32% | 1.68% | -0.36% | 35th below |
| Yield on Earning Assets | 4.93% | 5.67% | -0.74% | 20th bottom |
| Cost of Funds | 2.36% | 1.88% | +0.48% | 19th bottom |
| Net Interest Spread | 2.30% | 3.32% | -1.02% | 8th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.43% | 0.94% | -0.51% | 48th below |
| NPA / Total Assets | 0.26% | 0.70% | -0.44% | 54th above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 76th top |
| ACL / Total Loans | 1.88% | 1.28% | +0.60% | 92nd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 432.91% | 1539.18% | -1106.27% | 68th above |
| Texas Ratio | 2.19% | 7.33% | -5.14% | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.13% | 12.14% | +0.99% | 76th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.31% | 11.37% | -0.06% | 64th above |
| TCE / Tangible Assets | 11.31% | 11.09% | +0.22% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.09% | 80.64% | -14.55% | 76th top |
| Core Deposit Ratio | 94.24% | 86.86% | +7.38% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.62% | 6.85% | -3.23% | 44th below |
| Loan Growth (Y/Y) | 8.34% | 7.90% | +0.44% | 67th above |
| Deposit Growth (Y/Y) | 2.12% | 6.29% | -4.17% | 36th below |
See The First National Bank of Monterey'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 Monterey, 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 Monterey profile, how to read a UBPR, or how this data updates.