Bank of Edmonson County: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Edmonson County of Brownsville, KY against its peer group of 2603 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 | 1.75% | 1.34% | +0.41% | 76th top |
| ROAE | 19.71% | 13.32% | +6.39% | 86th top |
| Net Interest Margin | 3.71% | 3.93% | -0.22% | 37th below |
| Efficiency Ratio | 51.30% | 61.13% | -9.83% | 78th top |
| PPNR / Avg Assets | 1.89% | 1.68% | +0.21% | 67th above |
| Yield on Earning Assets | 5.52% | 5.67% | -0.15% | 46th below |
| Cost of Funds | 1.78% | 1.88% | -0.10% | 52nd above |
| Net Interest Spread | 2.64% | 3.32% | -0.68% | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.33% | 0.94% | +1.39% | 10th bottom |
| NPA / Total Assets | 1.68% | 0.70% | +0.98% | 10th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 34th below |
| ACL / Total Loans | 1.00% | 1.28% | -0.28% | 26th below |
| ACL / NPLs (Coverage) | 43.09% | 1546.57% | -1503.48% | 8th bottom |
| Texas Ratio | 16.87% | 7.33% | +9.54% | 10th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 235.29% | 1395.35% | -1160.06% | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.81% | 19.49% | -2.68% | 63rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.81% | 19.52% | -2.71% | 62nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.96% | 20.61% | -2.65% | 63rd above |
| Leverage Ratio | 10.57% | 12.14% | -1.57% | 43rd below |
| Equity / Assets | 9.24% | 11.37% | -2.13% | 31st below |
| TCE / Tangible Assets | 9.24% | 11.08% | -1.84% | 35th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.34% | 80.66% | +3.68% | 42nd below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.97% | 86.85% | +2.12% | 49th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.52% | 5.04% | -0.52% | 41st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.14% | 6.84% | -6.98% | 18th bottom |
| Loan Growth (Y/Y) | 4.36% | 7.92% | -3.56% | 44th below |
| Deposit Growth (Y/Y) | -2.37% | 6.29% | -8.66% | 12th bottom |
See Bank of Edmonson County's peers by name
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Unlock Bank of Edmonson 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 Bank of Edmonson County profile, how to read a UBPR, or how this data updates.