Bank of Dudley: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Dudley of Dudley, GA against its peer group of 2672 similarly-sized US banks as of Q3 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 | 0.96% | 1.25% | -0.29% | 13th bottom |
| ROAE | 9.94% | 13.24% | -3.30% | 23rd bottom |
| Net Interest Margin | 4.66% | 3.95% | +0.71% | 80th top |
| Efficiency Ratio | 68.75% | 61.22% | +7.53% | 11th bottom |
| PPNR / Avg Assets | 1.52% | — | — | 28th below |
| Yield on Earning Assets | 6.47% | 5.68% | +0.79% | 84th top |
| Cost of Funds | 1.92% | 1.88% | +0.04% | 30th below |
| Net Interest Spread | 4.05% | — | — | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.10% | 0.94% | -0.84% | 64th above |
| NPA / Total Assets | 0.07% | — | — | 64th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 26th below |
| ACL / Total Loans | 1.38% | — | — | 61st above |
| ACL / NPLs (Coverage) | 1423.59% | — | — | — |
| Texas Ratio | 0.65% | 7.40% | -6.75% | 66th above |
| Provision / NCO | 10200.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.71% | 11.73% | -1.02% | 28th below |
| Equity / Assets | 10.32% | 10.96% | -0.64% | 49th below |
| TCE / Tangible Assets | 10.32% | — | — | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.28% | 80.60% | +4.68% | 26th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.97% | 86.92% | +2.05% | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.97% | — | — | 69th above |
| Loan Growth (Y/Y) | 25.39% | — | — | 98th top |
| Deposit Growth (Y/Y) | 5.54% | — | — | 64th above |
See Bank of Dudley's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Dudley, 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 Dudley profile, how to read a UBPR, or how this data updates.