The First National Bank of Williamson: 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 Williamson of Williamson, WV 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 | -0.58% | 1.35% | -1.93% | 3rd bottom |
| ROAE | -3.01% | 12.06% | -15.07% | 3rd bottom |
| Net Interest Margin | 3.80% | 3.90% | -0.10% | 42nd below |
| Efficiency Ratio | 116.24% | 63.13% | +53.11% | 2nd bottom |
| PPNR / Avg Assets | -0.80% | 1.64% | -2.44% | 1st bottom |
| Yield on Earning Assets | 5.22% | 5.65% | -0.43% | 32nd below |
| Cost of Funds | 1.79% | 1.85% | -0.06% | 51st above |
| Net Interest Spread | 2.92% | 3.35% | -0.43% | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.43% | 0.92% | +1.51% | 10th bottom |
| NPA / Total Assets | 1.67% | 0.67% | +1.00% | 10th bottom |
| NCO / Avg Loans | 0.25% | 0.14% | +0.11% | 10th bottom |
| ACL / Total Loans | 1.41% | 1.28% | +0.13% | 73rd above |
| ACL / NPLs (Coverage) | 58.24% | 1645.81% | -1587.57% | 14th bottom |
| Texas Ratio | 9.59% | 7.15% | +2.44% | 23rd bottom |
| Provision / NCO | 21.05% | 1189.91% | -1168.86% | 23rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 20.13% | 12.46% | +7.67% | 96th top |
| Equity / Assets | 18.95% | 11.67% | +7.28% | 95th top |
| TCE / Tangible Assets | 18.95% | 11.40% | +7.55% | 96th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.31% | 78.64% | +6.67% | 40th below |
| Core Deposit Ratio | 82.24% | 87.10% | -4.86% | 21st bottom |
| Wholesale Funding Ratio | 0.69% | 5.12% | -4.43% | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.96% | 6.47% | +4.49% | 85th top |
| Loan Growth (Y/Y) | 9.27% | 7.64% | +1.63% | 71st above |
| Deposit Growth (Y/Y) | -3.93% | 6.03% | -9.96% | 8th bottom |
See The First National Bank of Williamson'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 Williamson, 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 Williamson profile, how to read a UBPR, or how this data updates.