The First National Bank of Scott City: 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 Scott City of Scott City, KS 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 | 1.55% | 1.34% | +0.21% | 67th above |
| ROAE | 11.94% | 13.32% | -1.38% | 48th below |
| Net Interest Margin | 4.45% | 3.93% | +0.52% | 77th top |
| Efficiency Ratio | 50.19% | 61.13% | -10.94% | 80th top |
| PPNR / Avg Assets | 2.25% | 1.68% | +0.57% | 82nd top |
| Yield on Earning Assets | 5.87% | 5.67% | +0.20% | 63rd above |
| Cost of Funds | 1.58% | 1.88% | -0.30% | 64th above |
| Net Interest Spread | 3.75% | 3.32% | +0.43% | 73rd above |
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 | 0.34% | 0.16% | +0.18% | 9th bottom |
| ACL / Total Loans | 1.15% | 1.28% | -0.13% | 45th below |
| ACL / NPLs (Coverage) | 1026.39% | 1546.22% | -519.83% | — |
| Texas Ratio | 1.75% | 7.34% | -5.59% | 65th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 172.41% | 1395.18% | -1222.77% | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.48% | 12.14% | +2.34% | 84th top |
| Equity / Assets | 12.90% | 11.36% | +1.54% | 78th top |
| TCE / Tangible Assets | 12.90% | 11.08% | +1.82% | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.36% | 80.66% | +10.70% | 26th below |
| Core Deposit Ratio | 91.77% | 86.85% | +4.92% | 66th above |
| Wholesale Funding Ratio | 5.76% | 5.04% | +0.72% | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.61% | 6.84% | -2.23% | 51st above |
| Loan Growth (Y/Y) | 11.12% | 7.92% | +3.20% | 77th top |
| Deposit Growth (Y/Y) | -2.14% | 6.29% | -8.43% | 13th bottom |
See The First National Bank of Scott City's peers by name
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Unlock The First National Bank of Scott City, 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 Scott City profile, how to read a UBPR, or how this data updates.