Bank of Delight: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Delight of Delight, AR 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 | 2.15% | 1.34% | +0.81% | 89th top |
| ROAE | 16.36% | 13.31% | +3.05% | 73rd above |
| Net Interest Margin | 4.17% | 3.93% | +0.24% | 63rd above |
| Efficiency Ratio | 46.34% | 61.14% | -14.80% | 88th top |
| PPNR / Avg Assets | 2.23% | 1.68% | +0.55% | 81st top |
| Yield on Earning Assets | 6.47% | 5.67% | +0.80% | 86th top |
| Cost of Funds | 2.63% | 1.88% | +0.75% | 12th bottom |
| Net Interest Spread | 3.40% | 3.32% | +0.08% | 54th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.28% | 0.94% | -0.66% | 58th above |
| NPA / Total Assets | 0.25% | 0.70% | -0.45% | 55th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 33rd below |
| ACL / Total Loans | 0.72% | 1.28% | -0.56% | 8th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 254.42% | 1538.95% | -1284.53% | 55th above |
| Texas Ratio | 1.80% | 7.33% | -5.53% | 64th above |
| Provision / NCO | 0.00% | 1395.90% | -1395.90% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.39% | 12.14% | +1.25% | 78th top |
| Equity / Assets | 13.51% | 11.37% | +2.14% | 82nd top |
| TCE / Tangible Assets | 13.51% | 11.09% | +2.42% | 83rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 105.79% | 80.63% | +25.16% | 6th bottom |
| Core Deposit Ratio | 85.94% | 86.86% | -0.92% | 34th below |
| Wholesale Funding Ratio | 1.76% | 5.03% | -3.27% | 72nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.38% | 6.85% | +3.53% | 84th top |
| Loan Growth (Y/Y) | 9.84% | 7.90% | +1.94% | 73rd above |
| Deposit Growth (Y/Y) | 11.98% | 6.29% | +5.69% | 87th top |
See Bank of Delight's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Delight, 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 Delight profile, how to read a UBPR, or how this data updates.