Arthur State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Arthur State Bank of Union, SC 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 | 1.19% | 1.25% | -0.06% | 44th below |
| ROAE | 17.51% | 12.22% | +5.29% | 77th top |
| Net Interest Margin | 4.51% | 3.95% | +0.56% | 79th top |
| Efficiency Ratio | 69.08% | 63.71% | +5.37% | 29th below |
| PPNR / Avg Assets | 1.62% | — | — | 51st above |
| Yield on Earning Assets | 5.26% | 5.67% | -0.41% | 33rd below |
| Cost of Funds | 0.78% | 1.87% | -1.09% | 96th top |
| Net Interest Spread | 4.22% | — | — | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.60% | 0.88% | -0.28% | 42nd below |
| NPA / Total Assets | 0.46% | — | — | 41st below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 34th below |
| ACL / Total Loans | 1.04% | — | — | 31st below |
| ACL / NPLs (Coverage) | 173.19% | — | — | 43rd below |
| Texas Ratio | 6.03% | 5.96% | +0.07% | 30th below |
| Provision / NCO | 403.23% | — | — | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.15% | 17.18% | -5.03% | 19th bottom |
| Tier 1 Ratio | 12.15% | 17.21% | -5.06% | 18th bottom |
| Total Capital Ratio | 13.35% | — | — | 20th bottom |
| Leverage Ratio | 8.30% | 11.75% | -3.45% | 4th bottom |
| Equity / Assets | 6.80% | 10.98% | -4.18% | 5th bottom |
| TCE / Tangible Assets | 6.80% | — | — | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.23% | 80.44% | +9.79% | 28th below |
| Core Deposit Ratio | 96.79% | 86.95% | +9.84% | 92nd top |
| Wholesale Funding Ratio | 10.29% | — | — | 13th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.07% | — | — | 39th below |
| Loan Growth (Y/Y) | 6.05% | — | — | 53rd above |
| Deposit Growth (Y/Y) | 0.97% | — | — | 29th below |
See Arthur State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Arthur State 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 Arthur State 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 Arthur State Bank peer analysis.