The Bank of Tampa: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Bank of Tampa of Tampa, FL against its peer group of 931 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 | 1.25% | 1.44% | -0.19% | 48th below |
| ROAE | 13.27% | 12.50% | +0.77% | 57th above |
| Net Interest Margin | 3.60% | 3.84% | -0.24% | 42nd below |
| Efficiency Ratio | 56.99% | 58.87% | -1.88% | 55th above |
| PPNR / Avg Assets | 1.71% | 1.78% | -0.07% | 49th below |
| Yield on Earning Assets | 4.66% | 5.71% | -1.05% | 10th bottom |
| Cost of Funds | 1.14% | 2.03% | -0.89% | 92nd top |
| Net Interest Spread | 2.81% | 3.18% | -0.37% | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.40% | 0.96% | -0.56% | 65th above |
| NPA / Total Assets | 0.28% | 0.75% | -0.47% | 67th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.31% | -0.28% | 49th below |
| ACL / Total Loans | 1.33% | 1.25% | +0.08% | 74th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 329.03% | 699.25% | -370.22% | 72nd above |
| Texas Ratio | 2.66% | 7.17% | -4.51% | 70th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 551.47% | 814.87% | -263.40% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.52% | 17.41% | -2.89% | 65th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.52% | 17.45% | -2.93% | 65th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.77% | 18.50% | -2.73% | 66th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.97% | 11.60% | -0.63% | 60th above |
| Equity / Assets | 9.76% | 11.33% | -1.57% | 38th below |
| TCE / Tangible Assets | 9.58% | 10.65% | -1.07% | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.69% | 86.36% | -9.67% | 76th top |
| Core Deposit Ratio | 98.11% | 85.54% | +12.57% | 96th top |
| Uninsured Deposit Ratio | 53.42% | 32.68% | +20.74% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.60% | 10.47% | -9.87% | 19th bottom |
| Loan Growth (Y/Y) | 10.60% | 7.99% | +2.61% | 75th top |
| Deposit Growth (Y/Y) | -0.60% | 7.99% | -8.59% | 16th bottom |
See The Bank of Tampa's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Bank of Tampa, 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 Tampa profile, how to read a UBPR, or how this data updates.