The Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Bank of Oberlin, KS against its peer group of 2603 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 | 2.54% | 1.34% | +1.20% | 94th top |
| ROAE | 21.59% | 13.32% | +8.27% | 91st top |
| Net Interest Margin | 4.50% | 3.93% | +0.57% | 79th top |
| Efficiency Ratio | 36.76% | 61.15% | -24.39% | 97th top |
| PPNR / Avg Assets | 2.50% | 1.68% | +0.82% | 89th top |
| Yield on Earning Assets | 5.79% | 5.67% | +0.12% | 59th above |
| Cost of Funds | 1.41% | 1.88% | -0.47% | 74th above |
| Net Interest Spread | 3.99% | 3.32% | +0.67% | 83rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.40% | 0.94% | +2.46% | 5th bottom |
| NPA / Total Assets | 2.18% | 0.70% | +1.48% | 6th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 50th above |
| ACL / Total Loans | 1.93% | 1.28% | +0.65% | 92nd top |
| ACL / NPLs (Coverage) | 56.71% | 1547.09% | -1490.38% | 13th bottom |
| Texas Ratio | 17.69% | 7.33% | +10.36% | 10th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.10% | 19.49% | -1.39% | 69th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.10% | 19.52% | -1.42% | 69th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.35% | 20.61% | -1.26% | 70th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.46% | 12.14% | -0.68% | 57th above |
| Equity / Assets | 12.18% | 11.36% | +0.82% | 72nd above |
| TCE / Tangible Assets | 11.38% | 11.08% | +0.30% | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.85% | 80.67% | -10.82% | 70th above |
| Core Deposit Ratio | 91.62% | 86.85% | +4.77% | 65th above |
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. | 6.82% | 6.84% | -0.02% | 68th above |
| Loan Growth (Y/Y) | 3.39% | 7.92% | -4.53% | 39th below |
| Deposit Growth (Y/Y) | 6.56% | 6.29% | +0.27% | 68th above |
See The Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Bank, 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 profile, how to read a UBPR, or how this data updates.