First Nations Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Nations Bank of Chicago, IL against its peer group of 2757 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 | 1.16% | 1.25% | -0.09% | 41st below |
| ROAE | 8.25% | 12.22% | -3.97% | 26th below |
| Net Interest Margin | 3.26% | 3.95% | -0.69% | 17th bottom |
| Efficiency Ratio | 51.54% | 63.71% | -12.17% | 77th top |
| PPNR / Avg Assets | 1.60% | — | — | 50th above |
| Yield on Earning Assets | 5.59% | 5.67% | -0.08% | 49th below |
| Cost of Funds | 2.71% | 1.87% | +0.84% | 10th bottom |
| Net Interest Spread | 2.44% | — | — | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 0.88% | -0.76% | 72nd above |
| NPA / Total Assets | 0.10% | — | — | 71st above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.79% | — | — | 90th top |
| ACL / NPLs (Coverage) | 1445.58% | — | — | — |
| Texas Ratio | 0.63% | 5.96% | -5.33% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 18.51% | 17.18% | +1.33% | 72nd above |
| Tier 1 Ratio | 18.51% | 17.21% | +1.30% | 72nd above |
| Total Capital Ratio | 19.77% | — | — | 72nd above |
| Leverage Ratio | 14.11% | 11.75% | +2.36% | 82nd top |
| Equity / Assets | 13.99% | 10.98% | +3.01% | 84th top |
| TCE / Tangible Assets | 13.98% | — | — | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.16% | 80.44% | +14.72% | 18th bottom |
| Core Deposit Ratio | 61.18% | 86.95% | -25.77% | 2nd bottom |
| Wholesale Funding Ratio | 3.23% | — | — | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.38% | — | — | 9th bottom |
| Loan Growth (Y/Y) | -7.05% | — | — | 4th bottom |
| Deposit Growth (Y/Y) | -3.89% | — | — | 8th bottom |
See First Nations Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Nations 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 Nations Bank 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 Nations Bank peer analysis.