FSNB, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks FSNB, N.A. of Lawton, 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 | 4.14% | 1.34% | +2.80% | 99th top |
| ROAE | 24.33% | 13.32% | +11.01% | 95th top |
| Net Interest Margin | 4.17% | 3.93% | +0.24% | 63rd above |
| Efficiency Ratio | 71.39% | 61.13% | +10.26% | 26th below |
| PPNR / Avg Assets | 3.06% | 1.68% | +1.38% | 96th top |
| Yield on Earning Assets | 4.45% | 5.67% | -1.22% | 8th bottom |
| Cost of Funds | 0.30% | 1.88% | -1.58% | 99th top |
| Net Interest Spread | 4.13% | 3.32% | +0.81% | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.23% | 0.94% | -0.71% | 62nd above |
| NPA / Total Assets | 0.71% | 0.70% | +0.01% | 29th below |
| NCO / Avg Loans | 1.12% | 0.16% | +0.96% | 3rd bottom |
| ACL / Total Loans | 1.71% | 1.28% | +0.43% | 88th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 754.03% | 1546.52% | -792.49% | 79th top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.18% | 7.34% | -3.16% | 46th below |
| Provision / NCO | 88.41% | 1395.79% | -1307.38% | 37th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.51% | 12.14% | +5.37% | 93rd top |
| Equity / Assets | 17.37% | 11.36% | +6.01% | 94th top |
| TCE / Tangible Assets | 17.37% | 11.08% | +6.29% | 94th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 39.86% | 80.68% | -40.82% | 96th top |
| Core Deposit Ratio | 99.62% | 86.84% | +12.78% | 99th top |
| Wholesale Funding Ratio | 2.94% | 5.04% | -2.10% | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.21% | 6.84% | -5.63% | 27th below |
| Loan Growth (Y/Y) | -2.94% | 7.92% | -10.86% | 12th bottom |
| Deposit Growth (Y/Y) | 1.54% | 6.29% | -4.75% | 32nd below |
See FSNB, N.A.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock FSNB, N.A., 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 FSNB, N.A. profile, how to read a UBPR, or how this data updates.