The First National Bank of Russell Springs: 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 Russell Springs of Russell Springs, KY 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 | 1.64% | 1.34% | +0.30% | 71st above |
| ROAE | 18.07% | 13.31% | +4.76% | 80th top |
| Net Interest Margin | 3.72% | 3.93% | -0.21% | 38th below |
| Efficiency Ratio | 43.69% | 61.15% | -17.46% | 91st top |
| PPNR / Avg Assets | 2.15% | 1.68% | +0.47% | 78th top |
| Yield on Earning Assets | 6.03% | 5.67% | +0.36% | 70th above |
| Cost of Funds | 2.52% | 1.88% | +0.64% | 15th bottom |
| Net Interest Spread | 3.09% | 3.32% | -0.23% | 37th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.11% | 0.94% | -0.83% | 72nd above |
| NPA / Total Assets | 0.08% | 0.70% | -0.62% | 72nd above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 80th top |
| ACL / Total Loans | 0.96% | 1.28% | -0.32% | 22nd bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 874.28% | 1539.01% | -664.73% | 81st top |
| Texas Ratio | 0.82% | 7.33% | -6.51% | 75th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 153.85% | 1396.36% | -1242.51% | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.52% | 12.14% | -1.62% | 42nd below |
| Equity / Assets | 9.04% | 11.38% | -2.34% | 28th below |
| TCE / Tangible Assets | 9.04% | 11.09% | -2.05% | 32nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.74% | 80.64% | +4.10% | 41st below |
| Core Deposit Ratio | 84.05% | 86.86% | -2.81% | 27th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.21% | 5.03% | -0.82% | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.95% | 6.85% | +7.10% | 90th top |
| Loan Growth (Y/Y) | 21.36% | 7.90% | +13.46% | 93rd top |
| Deposit Growth (Y/Y) | 8.53% | 6.29% | +2.24% | 78th top |
See The First National Bank of Russell Springs's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Russell Springs, 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 Russell Springs profile, how to read a UBPR, or how this data updates.