First National Bank of Spearville: 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 Spearville of Spearville, KS against its peer group of 506 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 Behind the peer average, ahead of the median peer. | 1.41% | 3.13% | -1.72% | 65th above |
| ROAE | 10.80% | 10.30% | +0.50% | 62nd above |
| Net Interest Margin | 3.82% | 3.94% | -0.12% | 46th below |
| Efficiency Ratio | 46.30% | 76.37% | -30.07% | 92nd top |
| PPNR / Avg Assets | 1.89% | 1.40% | +0.49% | 75th top |
| Yield on Earning Assets | 5.38% | 5.35% | +0.03% | 57th above |
| Cost of Funds | 1.75% | 1.70% | +0.05% | 40th below |
| Net Interest Spread | 3.21% | 3.32% | -0.11% | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.15% | 0.10% | +0.05% | 12th bottom |
| ACL / Total Loans | 1.55% | 1.49% | +0.06% | 71st above |
| Texas Ratio | 16.98% | 8.25% | +8.73% | 11th bottom |
| Provision / NCO | 0.00% | 291.19% | -291.19% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.80% | 17.65% | -5.85% | 37th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 13.11% | 16.45% | -3.34% | 55th above |
| TCE / Tangible Assets | 11.71% | 16.20% | -4.49% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.70% | 72.86% | -13.16% | 61st above |
| Core Deposit Ratio | 96.71% | 88.26% | +8.45% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.63% | 4.25% | +8.38% | 91st top |
| Loan Growth (Y/Y) | 11.74% | 6.74% | +5.00% | 81st top |
| Deposit Growth (Y/Y) | 14.17% | 3.70% | +10.47% | 93rd top |
See First National Bank of Spearville's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank of Spearville, 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 Spearville profile, how to read a UBPR, or how this data updates.