Bank of Walker County: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Walker County of Jasper, AL against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 1.62% | 3.33% | -1.71% | 73rd above |
| ROAE | 15.66% | 8.27% | +7.39% | 82nd top |
| Net Interest Margin | 5.19% | 3.92% | +1.27% | 90th top |
| Efficiency Ratio | 66.90% | 84.50% | -17.60% | 56th above |
| PPNR / Avg Assets | 1.86% | 1.56% | +0.30% | 75th top |
| Yield on Earning Assets | 6.28% | 5.24% | +1.04% | 84th top |
| Cost of Funds | 1.15% | 1.67% | -0.52% | 71st above |
| Net Interest Spread | 3.95% | 3.30% | +0.65% | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.42% | -1.42% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.15% | -0.06% | 16th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.32% | 1.53% | -0.21% | 57th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 2.99% | 8.57% | -5.58% | 46th below |
| Provision / NCO | 400.00% | 284.35% | +115.65% | 89th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.24% | 22.10% | -10.86% | 31st below |
| Equity / Assets | 10.53% | 20.74% | -10.21% | 32nd below |
| TCE / Tangible Assets | 10.53% | 20.49% | -9.96% | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.39% | 74.25% | +9.14% | 26th below |
| Core Deposit Ratio | 81.34% | 88.32% | -6.98% | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.08% | 3.83% | -2.75% | 41st below |
| Loan Growth (Y/Y) | -0.44% | 6.86% | -7.30% | 39th below |
| Deposit Growth (Y/Y) | 0.21% | 2.98% | -2.77% | 40th below |
See Bank of Walker County's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Walker 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 Walker County profile, how to read a UBPR, or how this data updates.