First National Bank of Pana: 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 Pana of Pana, IL against its peer group of 2672 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 | 1.37% | 1.34% | +0.03% | 56th above |
| ROAE Behind the peer average, ahead of the median peer. | 13.20% | 13.31% | -0.11% | 55th above |
| Net Interest Margin | 3.94% | 3.93% | +0.01% | 50th above |
| Efficiency Ratio | 63.49% | 61.14% | +2.35% | 43rd below |
| PPNR / Avg Assets | 1.46% | 1.68% | -0.22% | 42nd below |
| Yield on Earning Assets | 5.79% | 5.67% | +0.12% | 59th above |
| Cost of Funds | 1.97% | 1.88% | +0.09% | 39th below |
| Net Interest Spread | 3.29% | 3.32% | -0.03% | 48th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.24% | 0.94% | -0.70% | 62nd above |
| NPA / Total Assets | 0.17% | 0.70% | -0.53% | 62nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 43rd below |
| ACL / Total Loans | 0.94% | 1.28% | -0.34% | 20th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 398.55% | 1539.15% | -1140.60% | 66th above |
| Texas Ratio | 1.57% | 7.33% | -5.76% | 67th above |
| Provision / NCO | 5000.00% | 1393.39% | +3606.61% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.55% | 12.14% | -1.59% | 42nd below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.52% | 11.37% | -0.85% | 53rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.43% | 11.09% | -0.66% | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.36% | 80.64% | +2.72% | 44th below |
| Core Deposit Ratio | 92.01% | 86.86% | +5.15% | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.86% | 6.85% | +4.01% | 85th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.74% | 7.90% | -0.16% | 64th above |
| Deposit Growth (Y/Y) | 10.64% | 6.29% | +4.35% | 85th top |
See First National Bank of Pana's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank of Pana, 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 Pana profile, how to read a UBPR, or how this data updates.