Auburn Banking Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Auburn Banking Company of Auburn, KY 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 | 1.69% | 1.34% | +0.35% | 73rd above |
| ROAE | 23.76% | 13.31% | +10.45% | 94th top |
| Net Interest Margin | 4.11% | 3.93% | +0.18% | 59th above |
| Efficiency Ratio | 57.83% | 61.14% | -3.31% | 60th above |
| PPNR / Avg Assets | 1.85% | 1.68% | +0.17% | 65th above |
| Yield on Earning Assets | 6.04% | 5.67% | +0.37% | 70th above |
| Cost of Funds | 2.00% | 1.88% | +0.12% | 37th below |
| Net Interest Spread | 3.20% | 3.32% | -0.12% | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.11% | 0.94% | -0.83% | 72nd above |
| NPA / Total Assets | 0.08% | 0.70% | -0.62% | 72nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.16% | -0.10% | 24th bottom |
| ACL / Total Loans | 0.76% | 1.28% | -0.52% | 9th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 716.54% | 1538.82% | -822.28% | 78th top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.18% | 7.33% | -0.15% | 30th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 564.29% | 1395.69% | -831.40% | 75th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.00% | 19.50% | -8.50% | 8th bottom |
| Tier 1 Ratio | 11.00% | 19.54% | -8.54% | 8th bottom |
| Total Capital Ratio | 11.80% | 20.62% | -8.82% | 6th bottom |
| Leverage Ratio | 8.26% | 12.14% | -3.88% | 4th bottom |
| Equity / Assets | 6.93% | 11.38% | -4.45% | 6th bottom |
| TCE / Tangible Assets | 6.93% | 11.09% | -4.16% | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.01% | 80.64% | +3.37% | 43rd below |
| Core Deposit Ratio | 79.52% | 86.86% | -7.34% | 15th bottom |
| Wholesale Funding Ratio | 1.52% | 5.03% | -3.51% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 17.46% | 6.85% | +10.61% | 93rd top |
| Loan Growth (Y/Y) | 17.21% | 7.90% | +9.31% | 89th top |
| Deposit Growth (Y/Y) | 19.54% | 6.29% | +13.25% | 94th top |
See Auburn Banking Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Auburn Banking Company, 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 Auburn Banking Company profile, how to read a UBPR, or how this data updates.