Bank of Bird-In-Hand: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Bird-In-Hand of Bird in Hand, PA 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 | 1.23% | 1.46% | -0.23% | 46th below |
| ROAE | 12.86% | 12.72% | +0.14% | 53rd above |
| Net Interest Margin | 3.34% | 3.85% | -0.51% | 28th below |
| Efficiency Ratio | 51.20% | 57.41% | -6.21% | 73rd above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.72% | 1.88% | -0.16% | 50th above |
| Yield on Earning Assets | 6.06% | 5.72% | +0.34% | 78th top |
| Cost of Funds | 2.96% | 2.02% | +0.94% | 9th bottom |
| Net Interest Spread | 2.83% | 3.18% | -0.35% | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.20% | 1.00% | -0.80% | 82nd top |
| NPA / Total Assets | 0.18% | 0.76% | -0.58% | 78th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 72nd above |
| ACL / Total Loans | 0.61% | 1.31% | -0.70% | 5th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 310.86% | 543.53% | -232.67% | 71st above |
| Texas Ratio | 1.75% | 7.39% | -5.64% | 80th top |
| Provision / NCO | 8775.00% | 611.48% | +8163.52% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.76% | 17.34% | -6.58% | 6th bottom |
| Tier 1 Ratio | 10.76% | 17.37% | -6.61% | 6th bottom |
| Total Capital Ratio | 11.39% | 18.42% | -7.03% | 4th bottom |
| Leverage Ratio | 9.82% | 11.44% | -1.62% | 32nd below |
| Equity / Assets | 9.62% | 11.34% | -1.72% | 35th below |
| TCE / Tangible Assets | 9.62% | 10.50% | -0.88% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.40% | 86.94% | +16.46% | 11th bottom |
| Core Deposit Ratio | 90.47% | 85.55% | +4.92% | 60th above |
| Uninsured Deposit Ratio | 24.62% | 33.13% | -8.51% | 72nd above |
| Wholesale Funding Ratio | 1.31% | 5.71% | -4.40% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.71% | 9.68% | +4.03% | 85th top |
| Loan Growth (Y/Y) | 15.48% | 8.05% | +7.43% | 87th top |
| Deposit Growth (Y/Y) | 19.81% | 7.86% | +11.95% | 90th top |
See Bank of Bird-In-Hand's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Bird-In-Hand, 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 Bird-In-Hand profile, how to read a UBPR, or how this data updates.