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 Chatsworth, GA 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 | 1.93% | 1.34% | +0.59% | 83rd top |
| ROAE | 14.65% | 13.31% | +1.34% | 64th above |
| Net Interest Margin | 4.92% | 3.93% | +0.99% | 91st top |
| Efficiency Ratio | 48.19% | 61.15% | -12.96% | 84th top |
| PPNR / Avg Assets | 2.70% | 1.68% | +1.02% | 93rd top |
| Yield on Earning Assets | 6.62% | 5.67% | +0.95% | 90th top |
| Cost of Funds | 1.90% | 1.88% | +0.02% | 43rd below |
| Net Interest Spread | 4.11% | 3.32% | +0.79% | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.43% | 0.94% | -0.51% | 49th below |
| NPA / Total Assets | 0.31% | 0.70% | -0.39% | 51st above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 88th top |
| ACL / Total Loans | 1.31% | 1.28% | +0.03% | 64th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 306.66% | 1539.66% | -1233.00% | 60th above |
| Texas Ratio | 2.22% | 7.34% | -5.12% | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.92% | 12.14% | +0.78% | 74th above |
| Equity / Assets | 12.92% | 11.37% | +1.55% | 78th top |
| TCE / Tangible Assets | 12.88% | 11.09% | +1.79% | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.67% | 80.64% | +2.03% | 46th below |
| Core Deposit Ratio | 91.13% | 86.86% | +4.27% | 62nd above |
| Wholesale Funding Ratio | 0.09% | 5.04% | -4.95% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.94% | 6.85% | +1.09% | 75th top |
| Loan Growth (Y/Y) | 2.32% | 7.91% | -5.59% | 33rd below |
| Deposit Growth (Y/Y) | 7.85% | 6.29% | +1.56% | 75th top |
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.