First National Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank & Trust of Iron Mountain, MI 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 | 0.83% | 1.34% | -0.51% | 25th below |
| ROAE | 9.34% | 13.32% | -3.98% | 32nd below |
| Net Interest Margin | 3.89% | 3.93% | -0.04% | 48th below |
| Efficiency Ratio | 65.86% | 61.14% | +4.72% | 37th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.60% | 1.68% | -0.08% | 51st above |
| Yield on Earning Assets | 4.90% | 5.67% | -0.77% | 19th bottom |
| Cost of Funds | 1.06% | 1.88% | -0.82% | 89th top |
| Net Interest Spread | 3.41% | 3.32% | +0.09% | 54th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 5.44% | 0.94% | +4.50% | 2nd bottom |
| NPA / Total Assets | 3.12% | 0.70% | +2.42% | 3rd bottom |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 77th top |
| ACL / Total Loans | 2.28% | 1.28% | +1.00% | 96th top |
| ACL / NPLs (Coverage) | 41.85% | 1539.29% | -1497.44% | 7th bottom |
| Texas Ratio | 29.74% | 7.32% | +22.42% | 3rd bottom |
| Provision / NCO | 6818.18% | 1392.40% | +5425.78% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.32% | 19.50% | -4.18% | 52nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.32% | 19.54% | -4.22% | 52nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.58% | 20.62% | -4.04% | 53rd above |
| Leverage Ratio | 9.48% | 12.14% | -2.66% | 21st bottom |
| Equity / Assets | 9.56% | 11.38% | -1.82% | 37th below |
| TCE / Tangible Assets | 9.22% | 11.09% | -1.87% | 35th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.67% | 80.64% | -14.97% | 76th top |
| Core Deposit Ratio | 92.80% | 86.86% | +5.94% | 72nd above |
| Wholesale Funding Ratio | 2.59% | 5.03% | -2.44% | 61st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.75% | 6.86% | -9.61% | 9th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.86% | 7.90% | -0.04% | 64th above |
| Deposit Growth (Y/Y) | -1.43% | 6.29% | -7.72% | 16th bottom |
See First National Bank & Trust's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank & Trust, 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 & Trust profile, how to read a UBPR, or how this data updates.