Bank of Franklin County: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Franklin County of Washington, MO 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 | 0.76% | 1.34% | -0.58% | 21st bottom |
| ROAE | 8.58% | 13.32% | -4.74% | 28th below |
| Net Interest Margin | 3.85% | 3.93% | -0.08% | 45th below |
| Efficiency Ratio | 73.36% | 61.13% | +12.23% | 22nd bottom |
| PPNR / Avg Assets | 1.06% | 1.68% | -0.62% | 23rd bottom |
| Yield on Earning Assets | 5.93% | 5.67% | +0.26% | 65th above |
| Cost of Funds | 2.18% | 1.88% | +0.30% | 27th below |
| Net Interest Spread | 3.32% | 3.32% | +0.00% | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.16% | 0.94% | -0.78% | 67th above |
| NPA / Total Assets | 0.26% | 0.70% | -0.44% | 54th above |
| NCO / Avg Loans | 0.41% | 0.16% | +0.25% | 7th bottom |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 45th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 729.09% | 1539.03% | -809.94% | 78th top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.59% | 7.33% | -3.74% | 49th below |
| Provision / NCO | 76.24% | 1396.30% | -1320.06% | 34th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.53% | 12.14% | -2.61% | 22nd bottom |
| Equity / Assets | 8.89% | 11.38% | -2.49% | 25th below |
| TCE / Tangible Assets | 8.89% | 11.09% | -2.20% | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.70% | 80.63% | +16.07% | 16th bottom |
| Core Deposit Ratio | 92.00% | 86.86% | +5.14% | 67th above |
| Wholesale Funding Ratio | 5.39% | 5.03% | +0.36% | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.01% | 6.85% | -6.84% | 20th bottom |
| Loan Growth (Y/Y) | 1.94% | 7.91% | -5.97% | 31st below |
| Deposit Growth (Y/Y) | 2.62% | 6.29% | -3.67% | 40th below |
See Bank of Franklin County's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Franklin 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 Franklin County profile, how to read a UBPR, or how this data updates.