First National Bank Texas dba First Convenience Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank Texas dba First Convenience Bank of Killeen, TX against its peer group of 927 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 Behind the peer average, ahead of the median peer. | 1.28% | 1.46% | -0.18% | 50th above |
| ROAE | 20.02% | 12.68% | +7.34% | 89th top |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.83% | 3.85% | -0.02% | 58th above |
| Efficiency Ratio | 83.76% | 57.35% | +26.41% | 5th bottom |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.74% | 1.88% | -0.14% | 52nd above |
| Yield on Earning Assets | 4.63% | 5.72% | -1.09% | 10th bottom |
| Cost of Funds | 0.81% | 2.02% | -1.21% | 97th top |
| Net Interest Spread | 2.76% | 3.18% | -0.42% | 31st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.48% | 1.00% | -0.52% | 59th above |
| NPA / Total Assets | 0.26% | 0.76% | -0.50% | 69th above |
| NCO / Avg Loans | 0.87% | 0.43% | +0.44% | 5th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.31% | -0.04% | 67th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 265.66% | 564.91% | -299.25% | 66th above |
| Texas Ratio | 8.63% | 7.39% | +1.24% | 28th below |
| Provision / NCO | 114.18% | 619.62% | -505.44% | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.71% | 17.33% | +2.38% | 90th top |
| Tier 1 Ratio | 19.71% | 17.36% | +2.35% | 90th top |
| Total Capital Ratio | 20.98% | 18.41% | +2.57% | 91st top |
| Leverage Ratio | 9.12% | 11.44% | -2.32% | 14th bottom |
| Equity / Assets | 6.71% | 11.34% | -4.63% | 2nd bottom |
| TCE / Tangible Assets | 6.71% | 10.51% | -3.80% | 3rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 55.85% | 87.01% | -31.16% | 95th top |
| Core Deposit Ratio | 97.10% | 85.53% | +11.57% | 94th top |
| Uninsured Deposit Ratio | 8.51% | 33.17% | -24.66% | 97th top |
| Wholesale Funding Ratio | 1.67% | 5.71% | -4.04% | 73rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.49% | 9.68% | -2.19% | 65th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.90% | 8.06% | -1.16% | 57th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.34% | 7.88% | -0.54% | 64th above |
See First National Bank Texas dba First Convenience Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank Texas dba First Convenience Bank, 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 Texas dba First Convenience Bank profile, how to read a UBPR, or how this data updates.