Alton Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Alton Bank of Alton, MO against its peer group of 2757 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 | 0.89% | 1.25% | -0.36% | 26th below |
| ROAE Ahead of the peer average, behind the median peer. | 12.27% | 12.22% | +0.05% | 49th below |
| Net Interest Margin | 3.62% | 3.95% | -0.33% | 32nd below |
| Efficiency Ratio | 70.81% | 63.71% | +7.10% | 25th below |
| PPNR / Avg Assets | 0.99% | — | — | 19th bottom |
| Yield on Earning Assets | 6.40% | 5.67% | +0.73% | 84th top |
| Cost of Funds | 2.68% | 1.87% | +0.81% | 11th bottom |
| Net Interest Spread | 3.14% | — | — | 40th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.52% | 0.88% | -0.36% | 45th below |
| NPA / Total Assets | 0.45% | — | — | 41st below |
| NCO / Avg Loans | -0.03% | 0.15% | -0.18% | 93rd top |
| ACL / Total Loans | 0.68% | — | — | 6th bottom |
| ACL / NPLs (Coverage) | 130.73% | — | — | 35th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.78% | 5.96% | -0.18% | 31st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.77% | 17.18% | -7.41% | 1st bottom |
| Tier 1 Ratio | 9.77% | 17.21% | -7.44% | 1st bottom |
| Total Capital Ratio | 10.26% | — | — | 0th bottom |
| Leverage Ratio | 7.96% | 11.75% | -3.79% | 2nd bottom |
| Equity / Assets | 7.41% | 10.98% | -3.57% | 8th bottom |
| TCE / Tangible Assets | 7.41% | — | — | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.02% | 80.44% | -16.42% | 79th top |
| Core Deposit Ratio | 84.04% | 86.95% | -2.91% | 27th below |
| Wholesale Funding Ratio | 4.14% | — | — | 45th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.80% | — | — | 90th top |
| Loan Growth (Y/Y) | 17.77% | — | — | 90th top |
| Deposit Growth (Y/Y) | 14.51% | — | — | 90th top |
See Alton Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Alton 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 Alton Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Alton Bank peer analysis.