First National Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Community Bank of New Richmond, WI 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 | 1.39% | 1.35% | +0.04% | 57th above |
| ROAE | 17.93% | 12.05% | +5.88% | 80th top |
| Net Interest Margin | 4.44% | 3.90% | +0.54% | 77th top |
| Efficiency Ratio | 63.40% | 63.15% | +0.25% | 44th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.63% | 1.64% | -0.01% | 53rd above |
| Yield on Earning Assets | 5.86% | 5.65% | +0.21% | 62nd above |
| Cost of Funds | 1.58% | 1.85% | -0.27% | 64th above |
| Net Interest Spread | 3.92% | 3.35% | +0.57% | 80th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.16% | 0.92% | -0.76% | 67th above |
| NPA / Total Assets | 0.11% | 0.67% | -0.56% | 69th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.15% | -0.11% | 29th below |
| ACL / Total Loans | 1.04% | 1.28% | -0.24% | 30th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 662.73% | 1645.56% | -982.83% | 76th top |
| Texas Ratio | 1.28% | 7.15% | -5.87% | 69th above |
| Provision / NCO | 1295.45% | 1189.14% | +106.31% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.17% | 20.83% | -7.66% | 30th below |
| Tier 1 Ratio | 13.17% | 20.87% | -7.70% | 30th below |
| Total Capital Ratio | 14.19% | 21.94% | -7.75% | 29th below |
| Leverage Ratio | 9.38% | 12.46% | -3.08% | 19th bottom |
| Equity / Assets | 7.72% | 11.67% | -3.95% | 11th bottom |
| TCE / Tangible Assets | 7.72% | 11.40% | -3.68% | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.31% | 78.64% | -2.33% | 59th above |
| Core Deposit Ratio | 95.20% | 87.09% | +8.11% | 85th top |
| Wholesale Funding Ratio | 0.68% | 5.12% | -4.44% | 87th top |
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. | 6.19% | 6.47% | -0.28% | 63rd above |
| Loan Growth (Y/Y) | 13.38% | 7.64% | +5.74% | 83rd top |
| Deposit Growth (Y/Y) | 6.74% | 6.02% | +0.72% | 69th above |
See First National Community Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Community 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 Community Bank profile, how to read a UBPR, or how this data updates.