First National Bank USA: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank USA of Boutte, LA 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 | 1.55% | 1.34% | +0.21% | 66th above |
| ROAE | 11.09% | 13.31% | -2.22% | 42nd below |
| Net Interest Margin | 4.59% | 3.93% | +0.66% | 82nd top |
| Efficiency Ratio | 54.44% | 61.14% | -6.70% | 71st above |
| PPNR / Avg Assets | 2.11% | 1.68% | +0.43% | 77th top |
| Yield on Earning Assets | 5.47% | 5.67% | -0.20% | 44th below |
| Cost of Funds | 1.00% | 1.88% | -0.88% | 91st top |
| Net Interest Spread | 4.20% | 3.32% | +0.88% | 89th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 47th below |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 60th above |
| Texas Ratio | 0.09% | 7.33% | -7.24% | 88th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 500.00% | 1395.82% | -895.82% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.06% | 12.14% | +1.92% | 82nd top |
| Equity / Assets | 13.80% | 11.37% | +2.43% | 83rd top |
| TCE / Tangible Assets | 13.80% | 11.09% | +2.71% | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 53.28% | 80.64% | -27.36% | 89th top |
| Core Deposit Ratio | 94.97% | 86.86% | +8.11% | 84th top |
| Wholesale Funding Ratio | 0.09% | 5.03% | -4.94% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.82% | 6.85% | +3.97% | 85th top |
| Loan Growth (Y/Y) | 4.88% | 7.90% | -3.02% | 47th below |
| Deposit Growth (Y/Y) | 10.74% | 6.29% | +4.45% | 85th top |
See First National Bank USA'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 USA, 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 USA profile, how to read a UBPR, or how this data updates.