The First National Bank of Wakefield: 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 Wakefield of Wakefield, MI against its peer group of 536 similarly-sized US banks as of Q3 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 | 0.74% | 0.82% | -0.08% | 25th below |
| ROAE Ahead of the peer average, behind the median peer. | 8.54% | 4.81% | +3.73% | 47th below |
| Net Interest Margin | 4.39% | 3.95% | +0.44% | 78th top |
| Efficiency Ratio | 79.21% | 75.77% | +3.44% | 25th below |
| PPNR / Avg Assets | 0.90% | — | — | 28th below |
| Yield on Earning Assets | 4.88% | 5.44% | -0.56% | 38th below |
| Cost of Funds | 0.53% | 1.71% | -1.18% | 94th top |
| Net Interest Spread | 4.09% | — | — | 81st 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. | 0.59% | 1.40% | -0.81% | 16th bottom |
| NPA / Total Assets | 0.33% | — | — | 19th bottom |
| NCO / Avg Loans | -0.02% | 0.11% | -0.13% | 84th top |
| ACL / Total Loans | 1.17% | — | — | 41st below |
| ACL / NPLs (Coverage) | 197.76% | — | — | 29th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.57% | 8.94% | -4.37% | 19th bottom |
| Provision / NCO | 0.00% | — | — | 19th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 22.25% | 24.84% | -2.59% | 40th below |
| Tier 1 Ratio | 22.25% | 24.84% | -2.59% | 40th below |
| Total Capital Ratio | 23.34% | — | — | 30th below |
| Leverage Ratio | 9.92% | 14.21% | -4.29% | 12th bottom |
| Equity / Assets | 8.35% | 13.16% | -4.81% | 6th bottom |
| TCE / Tangible Assets | 8.35% | — | — | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 45.67% | 69.13% | -23.46% | 78th top |
| Core Deposit Ratio | 93.84% | 88.78% | +5.06% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.06% | — | — | 34th below |
| Loan Growth (Y/Y) | 8.58% | — | — | 75th top |
| Deposit Growth (Y/Y) | 0.62% | — | — | 41st below |
See The First National Bank of Wakefield's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Wakefield, 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 Wakefield profile, how to read a UBPR, or how this data updates.