America's Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks America's Community Bank of Blue Springs, MO against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 1.66% | 3.14% | -1.48% | 74th above |
| ROAE | 18.79% | 10.40% | +8.39% | 89th top |
| Net Interest Margin | 4.10% | 3.93% | +0.17% | 61st above |
| Efficiency Ratio | 57.34% | 76.33% | -18.99% | 75th top |
| PPNR / Avg Assets | 1.77% | 1.40% | +0.37% | 72nd above |
| Yield on Earning Assets | 6.74% | 5.35% | +1.39% | 91st top |
| Cost of Funds | 3.40% | 1.70% | +1.70% | 4th bottom |
| Net Interest Spread | 3.31% | 3.31% | +0.00% | 49th 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. | 1.32% | 1.34% | -0.02% | 25th below |
| NPA / Total Assets | 1.16% | 0.71% | +0.45% | 17th bottom |
| NCO / Avg Loans | -0.01% | 0.11% | -0.12% | 79th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.38% | 1.49% | -0.11% | 62nd above |
| ACL / NPLs (Coverage) | 104.29% | 866.14% | -761.85% | 39th below |
| Texas Ratio | 11.72% | 8.24% | +3.48% | 17th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 8.69% | 17.62% | -8.93% | 8th bottom |
| Equity / Assets | 8.71% | 16.44% | -7.73% | 14th bottom |
| TCE / Tangible Assets | 8.71% | 16.19% | -7.48% | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 113.93% | 72.75% | +41.18% | 3rd bottom |
| Core Deposit Ratio | 65.94% | 88.25% | -22.31% | 4th bottom |
| Wholesale Funding Ratio | 13.42% | 5.24% | +8.18% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 16.92% | 4.28% | +12.64% | 94th top |
| Loan Growth (Y/Y) | 13.22% | 6.71% | +6.51% | 84th top |
| Deposit Growth (Y/Y) | 11.28% | 3.76% | +7.52% | 87th top |
See America's Community Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock America's Community 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 America's Community Bank profile, how to read a UBPR, or how this data updates.