Bank of Perry County: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Perry County of Lobelville, TN 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 | 1.74% | 1.34% | +0.40% | 75th top |
| ROAE | 19.06% | 13.31% | +5.75% | 84th top |
| Net Interest Margin | 4.19% | 3.93% | +0.26% | 64th above |
| Efficiency Ratio | 56.79% | 61.14% | -4.35% | 64th above |
| PPNR / Avg Assets | 1.94% | 1.68% | +0.26% | 70th above |
| Yield on Earning Assets | 6.52% | 5.67% | +0.85% | 87th top |
| Cost of Funds | 2.45% | 1.88% | +0.57% | 17th bottom |
| Net Interest Spread | 3.36% | 3.32% | +0.04% | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.36% | 0.94% | -0.58% | 53rd above |
| NPA / Total Assets | 0.73% | 0.70% | +0.03% | 29th below |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 89th top |
| ACL / Total Loans | 1.00% | 1.28% | -0.28% | 25th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 273.87% | 1539.01% | -1265.14% | 57th above |
| Texas Ratio | 7.93% | 7.33% | +0.60% | 28th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.76% | 19.50% | -6.74% | 25th below |
| Tier 1 Ratio | 12.76% | 19.54% | -6.78% | 24th bottom |
| Total Capital Ratio | 13.91% | 20.62% | -6.71% | 25th below |
| Leverage Ratio | 9.11% | 12.14% | -3.03% | 14th bottom |
| Equity / Assets | 9.09% | 11.37% | -2.28% | 29th below |
| TCE / Tangible Assets | 9.09% | 11.09% | -2.00% | 32nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.46% | 80.63% | +11.83% | 24th bottom |
| Core Deposit Ratio | 78.68% | 86.86% | -8.18% | 13th bottom |
| Wholesale Funding Ratio | 1.79% | 5.03% | -3.24% | 71st 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. | 6.20% | 6.85% | -0.65% | 64th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.25% | 7.90% | -0.65% | 62nd above |
| Deposit Growth (Y/Y) | 6.58% | 6.29% | +0.29% | 68th above |
See Bank of Perry 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 Perry 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 Perry County profile, how to read a UBPR, or how this data updates.