The Bank of Romney: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Bank of Romney of Romney, WV against its peer group of 2603 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 | 1.50% | 1.34% | +0.16% | 63rd above |
| ROAE | 9.49% | 13.32% | -3.83% | 33rd below |
| Net Interest Margin | 4.65% | 3.93% | +0.72% | 84th top |
| Efficiency Ratio | 53.84% | 61.13% | -7.29% | 72nd above |
| PPNR / Avg Assets | 2.20% | 1.68% | +0.52% | 80th top |
| Yield on Earning Assets | 6.21% | 5.67% | +0.54% | 77th top |
| Cost of Funds | 1.75% | 1.88% | -0.13% | 54th above |
| Net Interest Spread | 3.86% | 3.32% | +0.54% | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.98% | 0.94% | +1.04% | 13th bottom |
| NPA / Total Assets | 1.45% | 0.70% | +0.75% | 13th bottom |
| NCO / Avg Loans | 0.32% | 0.16% | +0.16% | 9th bottom |
| ACL / Total Loans | 0.93% | 1.28% | -0.35% | 19th bottom |
| ACL / NPLs (Coverage) | 47.04% | 1546.71% | -1499.67% | 9th bottom |
| Texas Ratio | 8.52% | 7.34% | +1.18% | 26th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 156.55% | 1395.54% | -1238.99% | 52nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.97% | 12.14% | +3.83% | 90th top |
| Equity / Assets | 16.33% | 11.36% | +4.97% | 92nd top |
| TCE / Tangible Assets | 16.33% | 11.08% | +5.25% | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.05% | 80.66% | +14.39% | 18th bottom |
| Core Deposit Ratio | 95.20% | 86.85% | +8.35% | 85th top |
| Wholesale Funding Ratio | 5.95% | 5.03% | +0.92% | 32nd 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. | 5.35% | 6.84% | -1.49% | 57th above |
| Loan Growth (Y/Y) | 5.21% | 7.92% | -2.71% | 49th below |
| Deposit Growth (Y/Y) | 8.59% | 6.29% | +2.30% | 78th top |
See The Bank of Romney's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Bank of Romney, 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 Romney profile, how to read a UBPR, or how this data updates.