First National Bank of Wauchula: 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 Wauchula of Wauchula, FL against its peer group of 536 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 | 0.70% | 3.33% | -2.63% | 33rd below |
| ROAE | 6.24% | 8.29% | -2.05% | 37th below |
| Net Interest Margin | 5.48% | 3.92% | +1.56% | 94th top |
| Efficiency Ratio | 86.88% | 84.47% | +2.41% | 21st bottom |
| PPNR / Avg Assets | 0.70% | 1.56% | -0.86% | 27th below |
| Yield on Earning Assets | 6.75% | 5.24% | +1.51% | 92nd top |
| Cost of Funds | 1.31% | 1.67% | -0.36% | 64th above |
| Net Interest Spread | 4.78% | 3.30% | +1.48% | 93rd 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. | 0.80% | 1.42% | -0.62% | 35th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.53% | 0.71% | -0.18% | 30th below |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 81st top |
| ACL / Total Loans | 1.82% | 1.53% | +0.29% | 79th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 226.52% | 722.78% | -496.26% | 63rd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.23% | 8.57% | -4.34% | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.16% | 22.10% | -9.94% | 40th below |
| Equity / Assets | 11.24% | 20.74% | -9.50% | 38th below |
| TCE / Tangible Assets | 11.24% | 20.49% | -9.25% | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.02% | 74.26% | +0.76% | 39th below |
| Core Deposit Ratio | 79.64% | 88.32% | -8.68% | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.57% | 3.82% | -1.25% | 49th below |
| Loan Growth (Y/Y) | -11.12% | 6.88% | -18.00% | 9th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 2.20% | 2.98% | -0.78% | 51st above |
See First National Bank of Wauchula's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank of Wauchula, 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 Wauchula profile, how to read a UBPR, or how this data updates.