The First National Bank of Saint Ignace: 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 Saint Ignace of Saint Ignace, MI 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 | 0.64% | 1.34% | -0.70% | 17th bottom |
| ROAE | 11.93% | 13.31% | -1.38% | 47th below |
| Net Interest Margin | 2.91% | 3.93% | -1.02% | 8th bottom |
| Efficiency Ratio | 74.72% | 61.14% | +13.58% | 20th bottom |
| PPNR / Avg Assets | 0.79% | 1.68% | -0.89% | 14th bottom |
| Yield on Earning Assets | 3.95% | 5.67% | -1.72% | 2nd bottom |
| Cost of Funds | 1.06% | 1.88% | -0.82% | 89th top |
| Net Interest Spread | 2.51% | 3.32% | -0.81% | 14th 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. | 0.49% | 0.94% | -0.45% | 45th below |
| NPA / Total Assets | 0.16% | 0.70% | -0.54% | 63rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 40th below |
| ACL / Total Loans | 0.77% | 1.28% | -0.51% | 9th bottom |
| ACL / NPLs (Coverage) | 155.42% | 1539.16% | -1383.74% | 41st below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.71% | 7.33% | -0.62% | 32nd below |
| Provision / NCO | 0.00% | 1396.18% | -1396.18% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.19% | 19.50% | -3.31% | 59th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.19% | 19.54% | -3.35% | 59th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.73% | 20.62% | -3.89% | 55th above |
| Leverage Ratio | 7.78% | 12.14% | -4.36% | 2nd bottom |
| Equity / Assets | 5.25% | 11.38% | -6.13% | 1st bottom |
| TCE / Tangible Assets | 5.25% | 11.09% | -5.84% | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 35.41% | 80.65% | -45.24% | 97th top |
| Core Deposit Ratio | 94.60% | 86.86% | +7.74% | 82nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.36% | 6.85% | -2.49% | 49th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.03% | 7.90% | -0.87% | 60th above |
| Deposit Growth (Y/Y) | 2.96% | 6.29% | -3.33% | 43rd below |
See The First National Bank of Saint Ignace'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 Saint Ignace, 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 Saint Ignace profile, how to read a UBPR, or how this data updates.