First National Digital Currency Bank, N.A.: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Digital Currency Bank, N.A. of New York, NY against its peer group of 568 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with under $100M in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.59% | 1.11% | +0.48% | 71st better half |
| Net Interest Margin | 2.00% | 3.95% | -1.95% | 3rd worst quarter |
| Efficiency Ratio | 25.40% | 69.24% | -43.84% | 1st best quarter |
| PPNR / Avg Assets | 1.87% | 1.33% | +0.54% | 71st better half |
| Yield on Earning Assets | 2.00% | 5.30% | -3.30% | 1st |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPA / Total Assets | 0.00% | 0.15% | -0.15% | 17th best quarter |
| Texas Ratio | 0.00% | 1.26% | -1.26% | 17th best quarter |
| CRE / Total Capital | 0.00% | 26.55% | -26.55% | 9th best quarter |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Leverage Ratio | 99.65% | 13.42% | +86.23% | 98th best quarter |
| Equity / Assets | 99.93% | 12.44% | +87.49% | 100th best quarter |
| TCE / Tangible Assets | 99.93% | 12.20% | +87.73% | 100th best quarter |
See First National Digital Currency Bank, N.A.'s peers by name
The 568 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this 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 Digital Currency Bank, N.A. profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First National Digital Currency Bank, N.A. peer analysis.