FNB Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks FNB Bank of Fontanelle, IA 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 | 1.99% | 1.25% | +0.74% | 85th top |
| ROAE | 12.78% | 12.22% | +0.56% | 52nd above |
| Net Interest Margin | 4.19% | 3.95% | +0.24% | 63rd above |
| Efficiency Ratio | 52.62% | 63.71% | -11.09% | 75th top |
| PPNR / Avg Assets | 2.07% | — | — | 74th above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.63% | 5.67% | -0.04% | 51st above |
| Cost of Funds | 1.65% | 1.87% | -0.22% | 59th above |
| Net Interest Spread | 3.63% | — | — | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 0.88% | -0.86% | 84th top |
| NPA / Total Assets | 0.01% | — | — | 85th top |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 84th top |
| ACL / Total Loans | 1.94% | — | — | 93rd top |
| ACL / NPLs (Coverage) | 11060.00% | — | — | — |
| Texas Ratio | 0.09% | 5.96% | -5.87% | 86th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.48% | 11.75% | +2.73% | 84th top |
| Equity / Assets | 15.85% | 10.98% | +4.87% | 90th top |
| TCE / Tangible Assets | 14.45% | — | — | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 107.79% | 80.44% | +27.35% | 5th bottom |
| Core Deposit Ratio | 96.00% | 86.95% | +9.05% | 89th top |
| Wholesale Funding Ratio | 6.92% | — | — | 27th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.35% | — | — | 27th below |
| Loan Growth (Y/Y) | 5.39% | — | — | 50th above |
| Deposit Growth (Y/Y) | -1.79% | — | — | 14th bottom |
See FNB Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock FNB 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 FNB 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 FNB Bank peer analysis.