First National Bank of Orwell: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank of Orwell of Orwell, VT 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 Behind the peer average, ahead of the median peer. | 1.42% | 3.13% | -1.71% | 66th above |
| ROAE | 12.38% | 10.30% | +2.08% | 69th above |
| Net Interest Margin | 4.58% | 3.94% | +0.64% | 78th top |
| Efficiency Ratio | 61.25% | 76.35% | -15.10% | 68th above |
| PPNR / Avg Assets | 1.78% | 1.40% | +0.38% | 72nd above |
| Yield on Earning Assets | 6.37% | 5.35% | +1.02% | 86th top |
| Cost of Funds | 1.95% | 1.70% | +0.25% | 31st below |
| Net Interest Spread | 3.74% | 3.32% | +0.42% | 67th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.42% | 1.33% | +1.09% | 14th bottom |
| NPA / Total Assets | 2.10% | 0.71% | +1.39% | 8th bottom |
| NCO / Avg Loans | -0.04% | 0.10% | -0.14% | 90th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.34% | 1.49% | -0.15% | 58th above |
| ACL / NPLs (Coverage) | 55.44% | 868.21% | -812.77% | 20th bottom |
| Texas Ratio | 16.90% | 8.24% | +8.66% | 11th bottom |
| Provision / NCO | 0.00% | 291.77% | -291.77% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.42% | 17.66% | -6.24% | 33rd below |
| Equity / Assets | 11.42% | 16.46% | -5.04% | 40th below |
| TCE / Tangible Assets | 11.42% | 16.20% | -4.78% | 42nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.49% | 72.81% | +11.68% | 24th bottom |
| Core Deposit Ratio | 91.40% | 88.27% | +3.13% | 50th above |
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. | 4.25% | 4.26% | -0.01% | 59th above |
| Loan Growth (Y/Y) | -6.92% | 6.79% | -13.71% | 15th bottom |
| Deposit Growth (Y/Y) | 4.23% | 3.72% | +0.51% | 63rd above |
See First National Bank of Orwell's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank of Orwell, 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 First National Bank of Orwell profile, how to read a UBPR, or how this data updates.