The Bank of Charlotte County: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Bank of Charlotte County of Phenix, VA 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 | 5.39% | 1.34% | +4.05% | 99th top |
| ROAE | 47.86% | 13.31% | +34.55% | 100th top |
| Net Interest Margin | 4.56% | 3.93% | +0.63% | 81st top |
| Efficiency Ratio | 34.95% | 61.14% | -26.19% | 98th top |
| PPNR / Avg Assets | 6.59% | 1.68% | +4.91% | 99th top |
| Yield on Earning Assets | 5.36% | 5.67% | -0.31% | 38th below |
| Cost of Funds | 0.91% | 1.88% | -0.97% | 93rd top |
| Net Interest Spread | 4.07% | 3.32% | +0.75% | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.30% | 0.94% | +0.36% | 22nd bottom |
| NPA / Total Assets | 0.90% | 0.70% | +0.20% | 23rd bottom |
| NCO / Avg Loans | 0.25% | 0.16% | +0.09% | 11th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.26% | 1.28% | -0.02% | 57th above |
| ACL / NPLs (Coverage) | 97.09% | 1539.01% | -1441.92% | 26th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.04% | 7.33% | -0.29% | 31st below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 315.22% | 1395.84% | -1080.62% | 66th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.00% | 19.50% | +0.50% | 77th top |
| Tier 1 Ratio | 20.00% | 19.54% | +0.46% | 77th top |
| Total Capital Ratio | 21.25% | 20.62% | +0.63% | 78th top |
| Leverage Ratio | 12.79% | 12.14% | +0.65% | 73rd above |
| Equity / Assets | 12.23% | 11.37% | +0.86% | 73rd above |
| TCE / Tangible Assets | 12.23% | 11.09% | +1.14% | 75th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.20% | 80.64% | -8.44% | 67th above |
| Core Deposit Ratio | 96.01% | 86.86% | +9.15% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.30% | 6.85% | +0.45% | 71st above |
| Loan Growth (Y/Y) | -6.23% | 7.91% | -14.14% | 6th bottom |
| Deposit Growth (Y/Y) | 8.71% | 6.29% | +2.42% | 78th top |
See The Bank of Charlotte County's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Bank of Charlotte County, 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 The Bank of Charlotte County profile, how to read a UBPR, or how this data updates.