The First National Bank of Tom Bean: 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 Tom Bean of Tom Bean, TX 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 | 1.18% | 1.34% | -0.16% | 44th below |
| ROAE | 9.80% | 13.31% | -3.51% | 35th below |
| Net Interest Margin | 5.64% | 3.93% | +1.71% | 98th top |
| Efficiency Ratio | 62.39% | 61.14% | +1.25% | 47th below |
| PPNR / Avg Assets | 2.14% | 1.68% | +0.46% | 78th top |
| Yield on Earning Assets | 7.61% | 5.67% | +1.94% | 98th top |
| Cost of Funds | 2.16% | 1.88% | +0.28% | 28th below |
| Net Interest Spread | 4.83% | 3.32% | +1.51% | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.79% | 0.94% | -0.15% | 34th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.65% | 0.70% | -0.05% | 31st below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.16% | -0.11% | 25th below |
| ACL / Total Loans | 1.71% | 1.28% | +0.43% | 87th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 217.39% | 1538.89% | -1321.50% | 50th above |
| Texas Ratio | 7.57% | 7.33% | +0.24% | 29th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 171.24% | 1395.77% | -1224.53% | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.15% | 12.14% | +0.01% | 67th above |
| Equity / Assets | 12.02% | 11.37% | +0.65% | 71st above |
| TCE / Tangible Assets | 12.01% | 11.09% | +0.92% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.85% | 80.63% | +14.22% | 19th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.88% | 86.86% | +0.02% | 38th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.29% | 6.85% | +1.44% | 76th top |
| Loan Growth (Y/Y) | 12.13% | 7.90% | +4.23% | 80th top |
| Deposit Growth (Y/Y) | 8.06% | 6.29% | +1.77% | 76th top |
See The First National Bank of Tom Bean'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 Tom Bean, 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 Tom Bean profile, how to read a UBPR, or how this data updates.