FNB Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks FNB Community Bank of Midwest City, OK against its peer group of 2603 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 | 1.22% | 1.34% | -0.12% | 47th below |
| ROAE Behind the peer average, ahead of the median peer. | 13.21% | 13.32% | -0.11% | 55th above |
| Net Interest Margin | 3.98% | 3.93% | +0.05% | 52nd above |
| Efficiency Ratio | 73.83% | 61.13% | +12.70% | 21st bottom |
| PPNR / Avg Assets | 1.12% | 1.68% | -0.56% | 26th below |
| Yield on Earning Assets | 4.76% | 5.67% | -0.91% | 15th bottom |
| Cost of Funds | 0.83% | 1.88% | -1.05% | 95th top |
| Net Interest Spread | 3.60% | 3.32% | +0.28% | 65th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.36% | 0.94% | +1.42% | 10th bottom |
| NPA / Total Assets | 2.10% | 0.70% | +1.40% | 7th bottom |
| NCO / Avg Loans | 0.71% | 0.16% | +0.55% | 5th bottom |
| ACL / Total Loans | 1.84% | 1.28% | +0.56% | 91st top |
| ACL / NPLs (Coverage) | 77.75% | 1546.87% | -1469.12% | 20th bottom |
| Texas Ratio | 19.47% | 7.33% | +12.14% | 8th bottom |
| Provision / NCO | 28.79% | 1395.83% | -1367.04% | 25th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.09% | 19.49% | -3.40% | 58th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.09% | 19.52% | -3.43% | 58th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.35% | 20.61% | -3.26% | 59th above |
| Leverage Ratio | 10.54% | 12.14% | -1.60% | 42nd below |
| Equity / Assets | 9.67% | 11.37% | -1.70% | 39th below |
| TCE / Tangible Assets | 9.63% | 11.08% | -1.45% | 42nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.71% | 80.67% | -9.96% | 69th above |
| Core Deposit Ratio | 97.50% | 86.84% | +10.66% | 94th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.28% | 6.84% | -5.56% | 27th below |
| Loan Growth (Y/Y) | 14.00% | 7.92% | +6.08% | 84th top |
| Deposit Growth (Y/Y) | 0.44% | 6.29% | -5.85% | 25th below |
See FNB Community Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock FNB Community 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 Community Bank profile, how to read a UBPR, or how this data updates.