First National Bank of Pasco: 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 Pasco of Dade City, FL 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 | 0.37% | 1.35% | -0.98% | 10th bottom |
| ROAE | 5.30% | 13.33% | -8.03% | 15th bottom |
| Net Interest Margin | 3.57% | 3.93% | -0.36% | 30th below |
| Efficiency Ratio | 87.58% | 61.12% | +26.46% | 8th bottom |
| PPNR / Avg Assets | 0.46% | 1.68% | -1.22% | 8th bottom |
| Yield on Earning Assets | 5.56% | 5.67% | -0.11% | 48th below |
| Cost of Funds | 1.95% | 1.88% | +0.07% | 40th below |
| Net Interest Spread | 2.56% | 3.32% | -0.76% | 16th 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. | 0.50% | 0.94% | -0.44% | 45th below |
| NPA / Total Assets | 0.30% | 0.70% | -0.40% | 51st above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.70% | 1.28% | +0.42% | 87th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 341.77% | 1546.48% | -1204.71% | 63rd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.67% | 7.34% | -3.67% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.23% | 12.14% | -1.91% | 36th below |
| Equity / Assets | 7.14% | 11.37% | -4.23% | 7th bottom |
| TCE / Tangible Assets | 7.14% | 11.08% | -3.94% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.16% | 80.66% | -8.50% | 67th above |
| Core Deposit Ratio | 89.10% | 86.85% | +2.25% | 50th above |
| Wholesale Funding Ratio | 8.93% | 5.03% | +3.90% | 17th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -9.70% | 6.85% | -16.55% | 2nd bottom |
| Loan Growth (Y/Y) | -12.02% | 7.92% | -19.94% | 2nd bottom |
| Deposit Growth (Y/Y) | -12.01% | 6.29% | -18.30% | 1st bottom |
See First National Bank of Pasco's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank of Pasco, 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 Pasco profile, how to read a UBPR, or how this data updates.