Bank 21: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank 21 of Carrollton, 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 | 2.78% | 1.25% | +1.53% | 96th top |
| ROAE | 24.28% | 13.17% | +11.11% | 95th top |
| Net Interest Margin | 5.27% | 3.95% | +1.32% | 95th top |
| Efficiency Ratio | 46.88% | 61.50% | -14.62% | 87th top |
| PPNR / Avg Assets | 2.80% | — | — | 94th top |
| Yield on Earning Assets | 7.22% | 5.67% | +1.55% | 96th top |
| Cost of Funds | 2.12% | 1.87% | +0.25% | 30th below |
| Net Interest Spread | 4.49% | — | — | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.93% | -0.88% | 78th top |
| NPA / Total Assets | 0.54% | — | — | 36th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 43rd below |
| ACL / Total Loans | 1.28% | — | — | 61st above |
| ACL / NPLs (Coverage) | 2580.22% | — | — | — |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.42% | 6.06% | -1.64% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.58% | 17.18% | -4.60% | 23rd bottom |
| Tier 1 Ratio | 12.58% | 17.21% | -4.63% | 23rd bottom |
| Total Capital Ratio | 13.83% | — | — | 24th bottom |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.51% | 11.75% | -0.24% | 58th above |
| Equity / Assets | 11.17% | 10.98% | +0.19% | 62nd above |
| TCE / Tangible Assets | 11.15% | — | — | 65th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 110.99% | 80.44% | +30.55% | 3rd bottom |
| Core Deposit Ratio | 94.04% | 86.95% | +7.09% | 80th top |
| Wholesale Funding Ratio | 6.73% | — | — | 27th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.84% | — | — | 82nd top |
| Loan Growth (Y/Y) | 11.26% | — | — | 77th top |
| Deposit Growth (Y/Y) | 7.46% | — | — | 72nd above |
See Bank 21's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank 21, 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 Bank 21 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 Bank 21 peer analysis.