Adams County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Adams County Bank of Kenesaw, NE 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 | 1.89% | 1.34% | +0.55% | 81st top |
| ROAE | 18.66% | 13.31% | +5.35% | 82nd top |
| Net Interest Margin | 3.13% | 3.93% | -0.80% | 14th bottom |
| Efficiency Ratio | 35.08% | 61.15% | -26.07% | 98th top |
| PPNR / Avg Assets | 1.91% | 1.68% | +0.23% | 68th above |
| Yield on Earning Assets | 5.15% | 5.67% | -0.52% | 29th below |
| Cost of Funds | 2.20% | 1.88% | +0.32% | 26th below |
| Net Interest Spread | 2.61% | 3.32% | -0.71% | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.08% | 1.28% | -0.20% | 35th below |
| Texas Ratio | 0.02% | 7.33% | -7.31% | 90th top |
| Provision / NCO | 0.00% | 1395.98% | -1395.98% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.81% | 19.50% | -2.69% | 63rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.81% | 19.54% | -2.73% | 62nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.84% | 20.62% | -2.78% | 62nd above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.82% | 12.14% | -0.32% | 63rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.32% | 11.37% | -1.05% | 50th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.32% | 11.09% | -0.77% | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.31% | 80.63% | +19.68% | 11th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.28% | 86.86% | +0.42% | 40th below |
| Wholesale Funding Ratio | 24.84% | 5.03% | +19.81% | 1st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.64% | 6.85% | -5.21% | 30th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.31% | 7.90% | -0.59% | 62nd above |
| Deposit Growth (Y/Y) | -0.48% | 6.29% | -6.77% | 21st bottom |
See Adams County Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Adams County 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 Adams County Bank profile, how to read a UBPR, or how this data updates.