The First National Bank of Winnsboro: 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 Winnsboro of Winnsboro, TX against its peer group of 2603 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 | 2.09% | 1.34% | +0.75% | 88th top |
| ROAE | 9.90% | 13.32% | -3.42% | 35th below |
| Net Interest Margin | 5.19% | 3.93% | +1.26% | 95th top |
| Efficiency Ratio | 52.15% | 61.13% | -8.98% | 76th top |
| PPNR / Avg Assets | 2.52% | 1.68% | +0.84% | 89th top |
| Yield on Earning Assets | 6.31% | 5.67% | +0.64% | 81st top |
| Cost of Funds | 1.34% | 1.88% | -0.54% | 78th top |
| Net Interest Spread | 4.23% | 3.32% | +0.91% | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.57% | 0.94% | +2.63% | 4th bottom |
| NPA / Total Assets | 2.29% | 0.70% | +1.59% | 6th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 33rd below |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 60th above |
| ACL / NPLs (Coverage) | 35.92% | 1546.37% | -1510.45% | 5th bottom |
| Texas Ratio | 10.45% | 7.34% | +3.11% | 21st bottom |
| Provision / NCO | 0.00% | 1395.19% | -1395.19% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 22.72% | 12.14% | +10.58% | 97th top |
| Equity / Assets | 21.38% | 11.36% | +10.02% | 97th top |
| TCE / Tangible Assets | 21.17% | 11.08% | +10.09% | 97th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.66% | 80.66% | +3.00% | 43rd below |
| Core Deposit Ratio | 84.81% | 86.85% | -2.04% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.34% | 6.84% | -8.18% | 13th bottom |
| Loan Growth (Y/Y) | 4.65% | 7.92% | -3.27% | 45th below |
| Deposit Growth (Y/Y) | -0.78% | 6.29% | -7.07% | 19th bottom |
See The First National Bank of Winnsboro's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Winnsboro, 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 Winnsboro profile, how to read a UBPR, or how this data updates.