The Bank of Vernon: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Bank of Vernon of Vernon, AL 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 | 0.69% | 1.34% | -0.65% | 19th bottom |
| ROAE | 4.35% | 13.32% | -8.97% | 12th bottom |
| Net Interest Margin | 4.83% | 3.93% | +0.90% | 89th top |
| Efficiency Ratio | 46.01% | 61.15% | -15.14% | 88th top |
| PPNR / Avg Assets | 2.70% | 1.68% | +1.02% | 93rd top |
| Yield on Earning Assets | 7.03% | 5.67% | +1.36% | 95th top |
| Cost of Funds | 2.54% | 1.88% | +0.66% | 14th bottom |
| Net Interest Spread | 3.80% | 3.32% | +0.48% | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 0.94% | -0.81% | 70th above |
| NPA / Total Assets | 0.25% | 0.70% | -0.45% | 56th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.13% | 0.16% | -0.03% | 16th bottom |
| ACL / Total Loans | 1.45% | 1.28% | +0.17% | 75th top |
| ACL / NPLs (Coverage) | 1146.79% | 1538.86% | -392.07% | — |
| Texas Ratio | 3.49% | 7.33% | -3.84% | 50th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 833.54% | 1395.86% | -562.32% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.60% | 12.14% | +4.46% | 92nd top |
| Equity / Assets | 15.73% | 11.37% | +4.36% | 90th top |
| TCE / Tangible Assets | 15.73% | 11.09% | +4.64% | 91st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.05% | 80.63% | +8.42% | 30th below |
| Core Deposit Ratio | 89.54% | 86.86% | +2.68% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.56% | 6.85% | +7.71% | 91st top |
| Loan Growth (Y/Y) | 19.35% | 7.90% | +11.45% | 92nd top |
| Deposit Growth (Y/Y) | 15.55% | 6.28% | +9.27% | 91st top |
See The Bank of Vernon'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 Vernon, 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 Vernon profile, how to read a UBPR, or how this data updates.