First Whitney Bank and Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Whitney Bank and Trust of Atlantic, IA 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 | 1.75% | 1.34% | +0.41% | 76th top |
| ROAE | 17.34% | 13.31% | +4.03% | 77th top |
| Net Interest Margin | 3.18% | 3.93% | -0.75% | 15th bottom |
| Efficiency Ratio | 36.38% | 61.15% | -24.77% | 97th top |
| PPNR / Avg Assets | 1.81% | 1.68% | +0.13% | 63rd above |
| Yield on Earning Assets | 4.82% | 5.67% | -0.85% | 17th bottom |
| Cost of Funds | 1.81% | 1.88% | -0.07% | 50th above |
| Net Interest Spread | 2.58% | 3.32% | -0.74% | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.28% | 1.28% | -1.00% | 1st bottom |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.41% | 19.50% | -5.09% | 43rd below |
| Tier 1 Ratio | 14.41% | 19.54% | -5.13% | 43rd below |
| Total Capital Ratio | 14.60% | 20.62% | -6.02% | 33rd below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.53% | 12.14% | -0.61% | 58th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.76% | 11.37% | -0.61% | 56th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.76% | 11.09% | -0.33% | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.68% | 80.64% | -17.96% | 80th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.98% | 86.86% | +0.12% | 38th below |
| Wholesale Funding Ratio | 0.35% | 5.04% | -4.69% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.95% | 6.85% | -7.80% | 14th bottom |
| Loan Growth (Y/Y) | 5.17% | 7.90% | -2.73% | 49th below |
| Deposit Growth (Y/Y) | 0.48% | 6.29% | -5.81% | 26th below |
See First Whitney Bank and Trust's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Whitney Bank and Trust, 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 Whitney Bank and Trust profile, how to read a UBPR, or how this data updates.