Bank of Wolcott: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Wolcott of Wolcott, IN 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 | 1.77% | 1.34% | +0.43% | 77th top |
| ROAE | 17.53% | 13.31% | +4.22% | 78th top |
| Net Interest Margin | 3.46% | 3.93% | -0.47% | 26th below |
| Efficiency Ratio | 47.03% | 61.14% | -14.11% | 86th top |
| PPNR / Avg Assets | 1.74% | 1.68% | +0.06% | 59th above |
| Yield on Earning Assets | 5.17% | 5.67% | -0.50% | 30th below |
| Cost of Funds | 1.88% | 1.88% | +0.00% | 45th below |
| Net Interest Spread | 2.76% | 3.32% | -0.56% | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.33% | 0.94% | -0.61% | 55th above |
| NPA / Total Assets | 0.23% | 0.70% | -0.47% | 57th above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 85th top |
| ACL / Total Loans | 1.61% | 1.28% | +0.33% | 84th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 494.66% | 1538.98% | -1044.32% | 71st above |
| Texas Ratio | 2.52% | 7.33% | -4.81% | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.01% | 12.14% | -0.13% | 65th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.53% | 11.37% | -0.84% | 53rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.53% | 11.09% | -0.56% | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.22% | 80.64% | -19.42% | 82nd top |
| Core Deposit Ratio | 92.57% | 86.86% | +5.71% | 71st above |
| Wholesale Funding Ratio | 5.41% | 5.03% | +0.38% | 35th 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. | 6.03% | 6.85% | -0.82% | 62nd above |
| Loan Growth (Y/Y) | 3.55% | 7.90% | -4.35% | 40th below |
| Deposit Growth (Y/Y) | 3.92% | 6.29% | -2.37% | 49th below |
See Bank of Wolcott's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Wolcott, 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 Wolcott profile, how to read a UBPR, or how this data updates.