The Bank of Fayette 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 Fayette County of Piperton, TN against its peer group of 931 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 | 1.02% | 1.44% | -0.42% | 30th below |
| ROAE | 11.11% | 12.51% | -1.40% | 42nd below |
| Net Interest Margin | 4.07% | 3.84% | +0.23% | 73rd above |
| Efficiency Ratio | 64.15% | 58.87% | +5.28% | 33rd below |
| PPNR / Avg Assets | 1.50% | 1.78% | -0.28% | 37th below |
| Yield on Earning Assets | 6.55% | 5.71% | +0.84% | 90th top |
| Cost of Funds | 2.67% | 2.03% | +0.64% | 16th bottom |
| Net Interest Spread | 3.35% | 3.18% | +0.17% | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.45% | 0.96% | +0.49% | 19th bottom |
| NPA / Total Assets | 1.23% | 0.75% | +0.48% | 18th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.31% | -0.25% | 39th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.16% | 1.25% | -0.09% | 51st above |
| ACL / NPLs (Coverage) | 79.78% | 699.53% | -619.75% | 20th bottom |
| Texas Ratio | 15.19% | 7.15% | +8.04% | 12th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 400.99% | 815.07% | -414.08% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.59% | 11.60% | -2.01% | 25th below |
| Equity / Assets | 9.10% | 11.33% | -2.23% | 23rd bottom |
| TCE / Tangible Assets | 9.10% | 10.65% | -1.55% | 35th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.59% | 86.34% | +8.25% | 31st below |
| Core Deposit Ratio | 81.53% | 85.56% | -4.03% | 24th bottom |
| Uninsured Deposit Ratio | 22.64% | 32.72% | -10.08% | 78th top |
| Wholesale Funding Ratio | 3.30% | 5.45% | -2.15% | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.76% | 10.46% | -2.70% | 67th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.19% | 7.99% | -0.80% | 60th above |
| Deposit Growth (Y/Y) | 8.24% | 7.98% | +0.26% | 68th above |
See The Bank of Fayette County's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Bank of Fayette 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 Fayette County profile, how to read a UBPR, or how this data updates.