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 Goodland, KS 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 | 1.32% | 1.25% | +0.07% | 53rd above |
| ROAE | 16.09% | 12.22% | +3.87% | 71st above |
| Net Interest Margin | 4.33% | 3.95% | +0.38% | 72nd above |
| Efficiency Ratio | 72.21% | 63.71% | +8.50% | 23rd bottom |
| PPNR / Avg Assets | 1.24% | — | — | 30th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.61% | 5.67% | -0.06% | 50th above |
| Cost of Funds | 1.37% | 1.87% | -0.50% | 76th top |
| Net Interest Spread | 3.86% | — | — | 77th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.03% | 0.88% | +3.15% | 3rd bottom |
| NPA / Total Assets | 2.71% | — | — | 4th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 77th top |
| ACL / Total Loans | 1.91% | — | — | 92nd top |
| ACL / NPLs (Coverage) | 47.36% | — | — | 9th bottom |
| Texas Ratio | 26.15% | 5.96% | +20.19% | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.21% | 17.18% | -2.97% | 41st below |
| Tier 1 Ratio | 14.21% | 17.21% | -3.00% | 41st below |
| Total Capital Ratio | 15.46% | — | — | 42nd below |
| Leverage Ratio | 10.21% | 11.75% | -1.54% | 36th below |
| Equity / Assets | 8.80% | 10.98% | -2.18% | 23rd bottom |
| TCE / Tangible Assets | 8.80% | — | — | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.99% | 80.44% | -3.45% | 58th above |
| Core Deposit Ratio | 93.41% | 86.95% | +6.46% | 76th top |
| Wholesale Funding Ratio | 3.70% | — | — | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.83% | — | — | 45th below |
| Loan Growth (Y/Y) | -4.34% | — | — | 8th bottom |
| Deposit Growth (Y/Y) | 11.24% | — | — | 86th top |
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.