Bank of Zachary: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Zachary of Zachary, LA 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 | 0.96% | 1.34% | -0.38% | 31st below |
| ROAE | 10.61% | 13.32% | -2.71% | 40th below |
| Net Interest Margin | 4.29% | 3.93% | +0.36% | 70th above |
| Efficiency Ratio | 70.18% | 61.14% | +9.04% | 28th below |
| PPNR / Avg Assets | 1.24% | 1.68% | -0.44% | 30th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.61% | 5.67% | -0.06% | 50th above |
| Cost of Funds | 1.48% | 1.88% | -0.40% | 70th above |
| Net Interest Spread | 3.55% | 3.32% | +0.23% | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.19% | 0.94% | -0.75% | 65th above |
| NPA / Total Assets | 0.14% | 0.70% | -0.56% | 65th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.14% | 0.16% | -0.02% | 16th bottom |
| ACL / Total Loans | 0.89% | 1.28% | -0.39% | 16th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 456.19% | 1539.15% | -1082.96% | 69th above |
| Texas Ratio | 1.42% | 7.33% | -5.91% | 68th above |
| Provision / NCO | 59.32% | 1396.31% | -1336.99% | 30th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.40% | 19.50% | -1.10% | 71st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.40% | 19.54% | -1.14% | 71st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.39% | 20.62% | -1.23% | 71st above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.92% | 12.14% | -0.22% | 64th above |
| Equity / Assets | 9.48% | 11.38% | -1.90% | 35th below |
| TCE / Tangible Assets | 9.48% | 11.09% | -1.61% | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.62% | 80.63% | +4.99% | 39th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.35% | 86.86% | +1.49% | 45th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.69% | 5.03% | -1.34% | 49th 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. | 4.44% | 6.85% | -2.41% | 50th above |
| Loan Growth (Y/Y) | 15.43% | 7.90% | +7.53% | 87th top |
| Deposit Growth (Y/Y) | 1.12% | 6.29% | -5.17% | 30th below |
See Bank of Zachary's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Zachary, 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 Zachary profile, how to read a UBPR, or how this data updates.