Bank of Eufaula: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Eufaula of Eufaula, OK against its peer group of 536 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 | -0.01% | 3.14% | -3.15% | 14th bottom |
| ROAE | -0.08% | 10.44% | -10.52% | 14th bottom |
| Net Interest Margin | 3.55% | 3.93% | -0.38% | 34th below |
| Efficiency Ratio | 100.38% | 76.24% | +24.14% | 13th bottom |
| PPNR / Avg Assets | -0.01% | 1.40% | -1.41% | 11th bottom |
| Yield on Earning Assets | 4.07% | 5.35% | -1.28% | 14th bottom |
| Cost of Funds | 0.53% | 1.71% | -1.18% | 94th top |
| Net Interest Spread | 3.23% | 3.31% | -0.08% | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.46% | 1.34% | -0.88% | 44th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.48% | 0.71% | -0.23% | 33rd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.11% | -0.06% | 19th bottom |
| ACL / Total Loans | 2.19% | 1.48% | +0.71% | 85th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 479.25% | 865.52% | -386.27% | 79th top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.12% | 8.26% | -4.14% | 39th below |
| Provision / NCO | 1000.00% | 310.35% | +689.65% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.10% | 17.62% | -5.52% | 39th below |
| Equity / Assets | 10.94% | 16.44% | -5.50% | 36th below |
| TCE / Tangible Assets | 10.94% | 16.19% | -5.25% | 37th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 30.19% | 72.93% | -42.74% | 91st top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 90.16% | 88.21% | +1.95% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -9.03% | 4.34% | -13.37% | 5th bottom |
| Loan Growth (Y/Y) | -2.50% | 6.75% | -9.25% | 29th below |
| Deposit Growth (Y/Y) | -11.33% | 3.81% | -15.14% | 4th bottom |
See Bank of Eufaula's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Eufaula, 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 Eufaula profile, how to read a UBPR, or how this data updates.