First United National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First United National Bank of Fryburg, PA 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 | 0.74% | 1.35% | -0.61% | 21st bottom |
| ROAE | 13.67% | 12.05% | +1.62% | 58th above |
| Net Interest Margin | 3.07% | 3.90% | -0.83% | 12th bottom |
| Efficiency Ratio | 72.45% | 63.15% | +9.30% | 24th bottom |
| PPNR / Avg Assets | 0.88% | 1.64% | -0.76% | 17th bottom |
| Yield on Earning Assets | 4.26% | 5.65% | -1.39% | 5th bottom |
| Cost of Funds | 1.27% | 1.85% | -0.58% | 81st top |
| Net Interest Spread | 2.40% | 3.35% | -0.95% | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.90% | 0.92% | -0.02% | 31st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.48% | 0.67% | -0.19% | 39th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.15% | -0.11% | 28th below |
| ACL / Total Loans | 0.53% | 1.28% | -0.75% | 3rd bottom |
| ACL / NPLs (Coverage) | 58.52% | 1645.81% | -1587.29% | 14th bottom |
| Texas Ratio | 8.43% | 7.15% | +1.28% | 26th below |
| Provision / NCO | 109.68% | 1189.86% | -1080.18% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.79% | 20.83% | -4.04% | 62nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.79% | 20.86% | -4.07% | 62nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.35% | 21.94% | -4.59% | 59th above |
| Leverage Ratio | 8.16% | 12.47% | -4.31% | 3rd bottom |
| Equity / Assets | 5.66% | 11.67% | -6.01% | 2nd bottom |
| TCE / Tangible Assets | 5.60% | 11.40% | -5.80% | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 56.73% | 78.65% | -21.92% | 86th top |
| Core Deposit Ratio | 93.30% | 87.09% | +6.21% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.95% | 6.47% | +1.48% | 75th top |
| Loan Growth (Y/Y) | 2.82% | 7.64% | -4.82% | 36th below |
| Deposit Growth (Y/Y) | 6.89% | 6.02% | +0.87% | 70th above |
See First United 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 United 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 United National Bank profile, how to read a UBPR, or how this data updates.