The First National Bank of Sycamore: 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 Sycamore of Sycamore, OH 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 | 1.23% | 1.34% | -0.11% | 48th below |
| ROAE | 14.53% | 13.31% | +1.22% | 63rd above |
| Net Interest Margin | 3.64% | 3.93% | -0.29% | 34th below |
| Efficiency Ratio | 55.52% | 61.14% | -5.62% | 67th above |
| PPNR / Avg Assets | 1.53% | 1.68% | -0.15% | 46th below |
| Yield on Earning Assets | 5.16% | 5.67% | -0.51% | 29th below |
| Cost of Funds | 1.65% | 1.88% | -0.23% | 60th above |
| Net Interest Spread | 3.26% | 3.32% | -0.06% | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.04% | 1.28% | -0.24% | 30th below |
| Texas Ratio | 0.43% | 7.33% | -6.90% | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.54% | 19.50% | -3.96% | 54th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.54% | 19.54% | -4.00% | 54th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.63% | 20.62% | -3.99% | 53rd above |
| Leverage Ratio | 9.96% | 12.14% | -2.18% | 31st below |
| Equity / Assets | 8.86% | 11.37% | -2.51% | 25th below |
| TCE / Tangible Assets | 8.27% | 11.09% | -2.82% | 19th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.82% | 80.64% | -6.82% | 64th above |
| Core Deposit Ratio | 91.87% | 86.86% | +5.01% | 66th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.06% | 5.03% | -0.97% | 45th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.47% | 6.85% | -4.38% | 35th below |
| Loan Growth (Y/Y) | 13.29% | 7.90% | +5.39% | 83rd top |
| Deposit Growth (Y/Y) | 0.36% | 6.29% | -5.93% | 25th below |
See The First National Bank of Sycamore'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 Sycamore, 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 Sycamore profile, how to read a UBPR, or how this data updates.