FNBC Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks FNBC Bank of Ash Flat, AR 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 | 1.64% | 1.34% | +0.30% | 71st above |
| ROAE | 21.40% | 13.31% | +8.09% | 90th top |
| Net Interest Margin | 4.47% | 3.93% | +0.54% | 78th top |
| Efficiency Ratio | 58.68% | 61.14% | -2.46% | 58th above |
| PPNR / Avg Assets | 1.84% | 1.68% | +0.16% | 65th above |
| Yield on Earning Assets | 6.33% | 5.67% | +0.66% | 82nd top |
| Cost of Funds | 2.00% | 1.88% | +0.12% | 37th below |
| Net Interest Spread | 3.70% | 3.32% | +0.38% | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.83% | 0.94% | -0.11% | 32nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.62% | 0.70% | -0.08% | 32nd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.16% | -0.07% | 20th bottom |
| ACL / Total Loans | 1.92% | 1.28% | +0.64% | 92nd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 231.05% | 1539.84% | -1308.79% | 52nd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.62% | 7.33% | -0.71% | 33rd below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 281.48% | 1396.87% | -1115.39% | 65th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.44% | 19.51% | -7.07% | 22nd bottom |
| Tier 1 Ratio | 12.44% | 19.55% | -7.11% | 22nd bottom |
| Total Capital Ratio | 13.70% | 20.63% | -6.93% | 23rd bottom |
| Leverage Ratio | 9.68% | 12.14% | -2.46% | 25th below |
| Equity / Assets | 8.14% | 11.38% | -3.24% | 15th bottom |
| TCE / Tangible Assets | 7.99% | 11.10% | -3.11% | 16th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.24% | 80.63% | +6.61% | 35th below |
| Core Deposit Ratio | 89.92% | 86.86% | +3.06% | 54th above |
| Wholesale Funding Ratio | 7.91% | 5.03% | +2.88% | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.71% | 6.85% | -3.14% | 45th below |
| Loan Growth (Y/Y) | 8.74% | 7.90% | +0.84% | 69th above |
| Deposit Growth (Y/Y) | -1.19% | 6.29% | -7.48% | 17th bottom |
See FNBC Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock FNBC 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 FNBC Bank profile, how to read a UBPR, or how this data updates.