First National Bank of Pulaski: 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 Pulaski of Pulaski, TN against its peer group of 931 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 | 1.44% | 1.44% | +0.00% | 62nd above |
| ROAE | 14.80% | 12.50% | +2.30% | 69th above |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.77% | 3.84% | -0.07% | 54th above |
| Efficiency Ratio | 52.37% | 58.88% | -6.51% | 69th above |
| PPNR / Avg Assets | 1.93% | 1.78% | +0.15% | 64th above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.56% | 5.71% | -0.15% | 51st above |
| Cost of Funds | 1.95% | 2.03% | -0.08% | 54th above |
| Net Interest Spread | 3.00% | 3.18% | -0.18% | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.24% | 0.96% | -0.72% | 78th top |
| NPA / Total Assets | 0.23% | 0.75% | -0.52% | 73rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.31% | -0.22% | 31st below |
| ACL / Total Loans | 1.30% | 1.25% | +0.05% | 69th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 537.73% | 699.02% | -161.29% | 83rd top |
| Texas Ratio | 2.07% | 7.17% | -5.10% | 76th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 402.99% | 815.07% | -412.08% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.32% | 11.60% | -0.28% | 67th above |
| Equity / Assets | 10.05% | 11.33% | -1.28% | 44th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.05% | 10.65% | -0.60% | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.26% | 86.36% | -9.10% | 75th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.99% | 85.55% | +2.44% | 47th below |
| Uninsured Deposit Ratio | 29.67% | 32.71% | -3.04% | 55th above |
| Wholesale Funding Ratio | 0.09% | 5.46% | -5.37% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.76% | 10.46% | -6.70% | 40th below |
| Loan Growth (Y/Y) | 3.36% | 8.00% | -4.64% | 37th below |
| Deposit Growth (Y/Y) | 2.95% | 7.98% | -5.03% | 36th below |
See First National Bank of Pulaski's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank of Pulaski, 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 Pulaski profile, how to read a UBPR, or how this data updates.