The Bank of Monroe: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Bank of Monroe of Union, WV 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 | 1.36% | 1.34% | +0.02% | 56th above |
| ROAE | 11.87% | 13.31% | -1.44% | 47th below |
| Net Interest Margin | 3.86% | 3.93% | -0.07% | 46th below |
| Efficiency Ratio | 55.61% | 61.14% | -5.53% | 67th above |
| PPNR / Avg Assets | 1.86% | 1.68% | +0.18% | 66th above |
| Yield on Earning Assets | 5.35% | 5.67% | -0.32% | 37th below |
| Cost of Funds | 1.62% | 1.88% | -0.26% | 61st above |
| Net Interest Spread | 3.26% | 3.32% | -0.06% | 46th 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. | 0.66% | 0.94% | -0.28% | 39th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.40% | 0.70% | -0.30% | 43rd below |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 82nd top |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 59th above |
| ACL / NPLs (Coverage) | 193.71% | 1539.04% | -1345.33% | 47th below |
| Texas Ratio | 3.24% | 7.33% | -4.09% | 52nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.49% | 19.50% | +1.99% | 81st top |
| Tier 1 Ratio | 21.49% | 19.53% | +1.96% | 81st top |
| Total Capital Ratio | 22.79% | 20.62% | +2.17% | 81st top |
| Leverage Ratio | 13.22% | 12.14% | +1.08% | 77th top |
| Equity / Assets | 11.76% | 11.37% | +0.39% | 69th above |
| TCE / Tangible Assets | 11.72% | 11.09% | +0.63% | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.04% | 80.64% | -10.60% | 70th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.98% | 86.86% | +1.12% | 43rd below |
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. | 5.18% | 6.85% | -1.67% | 56th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.29% | 7.90% | -0.61% | 62nd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.13% | 6.29% | -2.16% | 51st above |
See The Bank of Monroe's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Bank of Monroe, 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 Monroe profile, how to read a UBPR, or how this data updates.