The Bank of Holyrood: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Bank of Holyrood of Holyrood, KS against its peer group of 506 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 Behind the peer average, ahead of the median peer. | 1.49% | 3.13% | -1.64% | 67th above |
| ROAE Behind the peer average, ahead of the median peer. | 9.79% | 10.30% | -0.51% | 56th above |
| Net Interest Margin | 3.86% | 3.94% | -0.08% | 49th below |
| Efficiency Ratio | 50.69% | 76.36% | -25.67% | 87th top |
| PPNR / Avg Assets | 1.77% | 1.40% | +0.37% | 71st above |
| Yield on Earning Assets | 5.38% | 5.35% | +0.03% | 57th above |
| Cost of Funds | 1.78% | 1.70% | +0.08% | 38th below |
| Net Interest Spread | 3.02% | 3.32% | -0.30% | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.92% | 1.33% | +1.59% | 10th bottom |
| NPA / Total Assets | 2.02% | 0.71% | +1.31% | 8th bottom |
| NCO / Avg Loans | 0.62% | 0.10% | +0.52% | 3rd bottom |
| ACL / Total Loans | 1.61% | 1.49% | +0.12% | 73rd above |
| ACL / NPLs (Coverage) | 54.92% | 867.49% | -812.57% | 20th bottom |
| Texas Ratio | 12.40% | 8.25% | +4.15% | 16th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 82.76% | 290.95% | -208.19% | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 26.92% | 62.31% | -35.39% | 62nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 26.92% | 62.32% | -35.40% | 62nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 28.17% | 63.28% | -35.11% | 63rd above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 16.68% | 17.65% | -0.97% | 73rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 15.35% | 16.45% | -1.10% | 68th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 15.35% | 16.19% | -0.84% | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Ahead of the peer average, behind the median peer. | 69.10% | 72.84% | -3.74% | 46th below |
| Core Deposit Ratio | 87.39% | 88.28% | -0.89% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.91% | 4.25% | +2.66% | 73rd above |
| Loan Growth (Y/Y) | -3.43% | 6.77% | -10.20% | 25th below |
| Deposit Growth (Y/Y) | 7.15% | 3.72% | +3.43% | 74th above |
See The Bank of Holyrood's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Bank of Holyrood, 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 Holyrood profile, how to read a UBPR, or how this data updates.