Newfirst National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Newfirst National Bank of El Campo, TX 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 | 3.32% | 1.34% | +1.98% | 98th top |
| ROAE | 26.97% | 13.30% | +13.67% | 97th top |
| Net Interest Margin | 5.24% | 3.93% | +1.31% | 95th top |
| Efficiency Ratio | 39.17% | 61.16% | -21.99% | 96th top |
| PPNR / Avg Assets | 3.32% | 1.68% | +1.64% | 97th top |
| Yield on Earning Assets | 6.55% | 5.67% | +0.88% | 88th top |
| Cost of Funds | 1.43% | 1.88% | -0.45% | 73rd above |
| Net Interest Spread | 4.58% | 3.32% | +1.26% | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.21% | 0.94% | -0.73% | 63rd above |
| NPA / Total Assets | 0.17% | 0.70% | -0.53% | 63rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 38th below |
| ACL / Total Loans | 1.38% | 1.28% | +0.10% | 71st above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 665.88% | 1539.54% | -873.66% | 77th top |
| Texas Ratio | 1.26% | 7.34% | -6.08% | 70th above |
| Provision / NCO | 0.00% | 1397.41% | -1397.41% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.47% | 12.14% | +0.33% | 70th above |
| Equity / Assets | 12.37% | 11.37% | +1.00% | 74th above |
| TCE / Tangible Assets | 12.37% | 11.09% | +1.28% | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.76% | 80.63% | +5.13% | 38th below |
| Core Deposit Ratio | 98.70% | 86.85% | +11.85% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.92% | 6.86% | -3.94% | 39th below |
| Loan Growth (Y/Y) | -1.45% | 7.91% | -9.36% | 17th bottom |
| Deposit Growth (Y/Y) | 2.54% | 6.29% | -3.75% | 39th below |
See Newfirst National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Newfirst National 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 Newfirst National Bank profile, how to read a UBPR, or how this data updates.