The First National Bank of Peterstown: 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 Peterstown of Peterstown, WV 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. | 1.09% | 3.13% | -2.04% | 52nd above |
| ROAE Behind the peer average, ahead of the median peer. | 8.81% | 10.30% | -1.49% | 52nd above |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.93% | 3.94% | -0.01% | 53rd above |
| Efficiency Ratio | 68.27% | 76.33% | -8.06% | 53rd above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.29% | 1.40% | -0.11% | 53rd above |
| Yield on Earning Assets | 4.48% | 5.36% | -0.88% | 22nd bottom |
| Cost of Funds | 0.55% | 1.70% | -1.15% | 94th top |
| Net Interest Spread | 3.45% | 3.32% | +0.13% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.47% | 1.33% | +0.14% | 23rd bottom |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.63% | 0.71% | -0.08% | 27th below |
| NCO / Avg Loans | -0.02% | 0.10% | -0.12% | 85th top |
| ACL / Total Loans | 1.52% | 1.49% | +0.03% | 68th above |
| ACL / NPLs (Coverage) | 103.16% | 867.82% | -764.66% | 39th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.67% | 8.27% | -3.60% | 35th below |
| Provision / NCO | 0.00% | 291.64% | -291.64% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 29.70% | 62.33% | -32.63% | 67th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 29.70% | 62.33% | -32.63% | 67th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 30.95% | 63.30% | -32.35% | 68th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.90% | 17.65% | -3.75% | 57th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 12.94% | 16.46% | -3.52% | 53rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 12.94% | 16.20% | -3.26% | 55th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 49.58% | 72.89% | -23.31% | 72nd above |
| Core Deposit Ratio | 95.79% | 88.26% | +7.53% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.76% | 4.27% | -6.03% | 22nd bottom |
| Loan Growth (Y/Y) | -3.50% | 6.78% | -10.28% | 25th below |
| Deposit Growth (Y/Y) | -3.24% | 3.74% | -6.98% | 19th bottom |
See The First National Bank of Peterstown's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Peterstown, 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 Peterstown profile, how to read a UBPR, or how this data updates.