First Pioneer National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Pioneer National Bank of Wray, CO 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 | 1.15% | 1.34% | -0.19% | 42nd below |
| ROAE | 9.87% | 13.32% | -3.45% | 35th below |
| Net Interest Margin | 3.29% | 3.93% | -0.64% | 20th bottom |
| Efficiency Ratio | 54.64% | 61.14% | -6.50% | 70th above |
| PPNR / Avg Assets | 1.43% | 1.68% | -0.25% | 40th below |
| Yield on Earning Assets | 4.93% | 5.67% | -0.74% | 20th bottom |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.85% | 1.88% | -0.03% | 47th below |
| Net Interest Spread | 2.54% | 3.32% | -0.78% | 15th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.79% | 0.94% | +1.85% | 8th bottom |
| NPA / Total Assets | 1.50% | 0.70% | +0.80% | 12th bottom |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 79th top |
| ACL / Total Loans | 1.08% | 1.28% | -0.20% | 35th below |
| ACL / NPLs (Coverage) | 38.63% | 1539.06% | -1500.43% | 6th bottom |
| Texas Ratio | 11.77% | 7.33% | +4.44% | 18th bottom |
| Provision / NCO | -15.28% | 1395.99% | -1411.27% | 6th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.53% | 12.14% | +0.39% | 70th above |
| Equity / Assets | 12.14% | 11.37% | +0.77% | 72nd above |
| TCE / Tangible Assets | 12.14% | 11.09% | +1.05% | 75th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 63.49% | 80.64% | -17.15% | 79th top |
| Core Deposit Ratio | 83.10% | 86.86% | -3.76% | 24th bottom |
| Wholesale Funding Ratio | 2.91% | 5.03% | -2.12% | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.39% | 6.85% | -4.46% | 35th below |
| Loan Growth (Y/Y) | 3.52% | 7.90% | -4.38% | 40th below |
| Deposit Growth (Y/Y) | 2.57% | 6.29% | -3.72% | 40th below |
See First Pioneer National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Pioneer National 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 Pioneer National Bank profile, how to read a UBPR, or how this data updates.