The First National Bank of Sonora: 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 Sonora of Sonora, TX 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 | 0.49% | 1.34% | -0.85% | 13th bottom |
| ROAE | 6.66% | 13.32% | -6.66% | 20th bottom |
| Net Interest Margin | 4.68% | 3.93% | +0.75% | 85th top |
| Efficiency Ratio | 82.91% | 61.12% | +21.79% | 11th bottom |
| PPNR / Avg Assets | 0.75% | 1.68% | -0.93% | 14th bottom |
| Yield on Earning Assets | 6.54% | 5.67% | +0.87% | 88th top |
| Cost of Funds | 1.80% | 1.88% | -0.08% | 50th above |
| Net Interest Spread | 3.97% | 3.32% | +0.65% | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.45% | 0.94% | +0.51% | 19th bottom |
| NPA / Total Assets | 1.98% | 0.70% | +1.28% | 8th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 41st below |
| ACL / Total Loans | 0.91% | 1.28% | -0.37% | 18th bottom |
| ACL / NPLs (Coverage) | 62.33% | 1539.80% | -1477.47% | 15th bottom |
| Texas Ratio | 24.79% | 7.32% | +17.47% | 5th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 659.34% | 1396.27% | -736.93% | 77th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.93% | 19.51% | -9.58% | 2nd bottom |
| Tier 1 Ratio | 9.93% | 19.55% | -9.62% | 2nd bottom |
| Total Capital Ratio | 10.80% | 20.63% | -9.83% | 1st bottom |
| Leverage Ratio | 8.00% | 12.14% | -4.14% | 2nd bottom |
| Equity / Assets | 7.36% | 11.38% | -4.02% | 8th bottom |
| TCE / Tangible Assets | 7.36% | 11.10% | -3.74% | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.67% | 80.63% | +3.04% | 43rd below |
| Core Deposit Ratio | 79.42% | 86.87% | -7.45% | 15th bottom |
| Wholesale Funding Ratio | 3.39% | 5.03% | -1.64% | 51st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.99% | 6.85% | -2.86% | 47th below |
| Loan Growth (Y/Y) | 23.02% | 7.89% | +15.13% | 95th top |
| Deposit Growth (Y/Y) | 0.76% | 6.29% | -5.53% | 28th below |
See The First National Bank of Sonora's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Sonora, 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 Sonora profile, how to read a UBPR, or how this data updates.