Ascend Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ascend Bank of Guilford, CT against its peer group of 941 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 | 1.18% | 1.34% | -0.16% | 40th below |
| ROAE | 11.90% | 12.34% | -0.44% | 45th below |
| Net Interest Margin | 3.41% | 3.83% | -0.42% | 31st below |
| Efficiency Ratio | 65.69% | 58.97% | +6.72% | 28th below |
| PPNR / Avg Assets | 1.24% | — | — | 23rd bottom |
| Yield on Earning Assets | 5.15% | 5.71% | -0.56% | 27th below |
| Cost of Funds | 1.83% | 2.02% | -0.19% | 60th above |
| Net Interest Spread | 3.03% | — | — | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.50% | 0.87% | -0.37% | 51st above |
| NPA / Total Assets | 0.39% | — | — | 52nd above |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 82nd top |
| ACL / Total Loans | 0.76% | — | — | 12th bottom |
| ACL / NPLs (Coverage) | 151.61% | — | — | 39th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.11% | 5.48% | -1.37% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.65% | 11.11% | -1.46% | 27th below |
| Equity / Assets | 10.11% | 11.02% | -0.91% | 45th below |
| TCE / Tangible Assets | 9.05% | — | — | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 88.15% | 86.99% | +1.16% | 50th above |
| Core Deposit Ratio | 92.42% | 85.57% | +6.85% | 71st above |
| Uninsured Deposit Ratio | 23.61% | 33.19% | -9.58% | 75th top |
| Wholesale Funding Ratio | 0.66% | — | — | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 26.35% | — | — | 94th top |
| Loan Growth (Y/Y) | 30.00% | — | — | 95th top |
| Deposit Growth (Y/Y) | 26.09% | — | — | 93rd top |
See Ascend Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ascend 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 Ascend 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 Ascend Bank peer analysis.