Bank of Ann Arbor: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Ann Arbor of Ann Arbor, MI against its peer group of 931 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 | 2.09% | 1.43% | +0.66% | 89th top |
| ROAE | 14.41% | 12.50% | +1.91% | 66th above |
| Net Interest Margin | 4.43% | 3.84% | +0.59% | 86th top |
| Efficiency Ratio | 44.26% | 58.89% | -14.63% | 88th top |
| PPNR / Avg Assets | 2.67% | 1.78% | +0.89% | 90th top |
| Yield on Earning Assets | 5.91% | 5.71% | +0.20% | 72nd above |
| Cost of Funds | 1.57% | 2.03% | -0.46% | 77th top |
| Net Interest Spread | 3.61% | 3.18% | +0.43% | 81st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.27% | 0.96% | -0.69% | 75th top |
| NPA / Total Assets | 0.27% | 0.75% | -0.48% | 68th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.12% | 0.31% | -0.19% | 26th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.23% | 1.25% | -0.02% | 63rd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 453.46% | 699.11% | -245.65% | 79th top |
| Texas Ratio | 2.03% | 7.17% | -5.14% | 77th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 217.01% | 815.32% | -598.31% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.27% | 17.41% | -3.14% | 63rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.27% | 17.45% | -3.18% | 62nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.42% | 18.50% | -3.08% | 63rd above |
| Leverage Ratio | 13.17% | 11.59% | +1.58% | 86th top |
| Equity / Assets | 14.27% | 11.33% | +2.94% | 91st top |
| TCE / Tangible Assets | 12.48% | 10.65% | +1.83% | 86th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.77% | 86.34% | +7.43% | 34th below |
| Core Deposit Ratio | 94.65% | 85.55% | +9.10% | 83rd top |
| Uninsured Deposit Ratio | 43.99% | 32.70% | +11.29% | 19th bottom |
| Wholesale Funding Ratio | 3.22% | 5.46% | -2.24% | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.31% | 10.46% | -4.15% | 58th above |
| Loan Growth (Y/Y) | -1.19% | 8.00% | -9.19% | 13th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.89% | 7.98% | -1.09% | 62nd above |
See Bank of Ann Arbor's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Ann Arbor, 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 of Ann Arbor profile, how to read a UBPR, or how this data updates.