BANK3: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks BANK3 of Memphis, TN against its peer group of 2757 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 | 0.47% | 1.25% | -0.78% | 11th bottom |
| ROAE | 4.40% | 12.22% | -7.82% | 11th bottom |
| Net Interest Margin | 3.25% | 3.95% | -0.70% | 17th bottom |
| Efficiency Ratio | 84.38% | 63.71% | +20.67% | 9th bottom |
| PPNR / Avg Assets | 0.55% | — | — | 8th bottom |
| Yield on Earning Assets | 5.84% | 5.67% | +0.17% | 61st above |
| Cost of Funds | 2.80% | 1.87% | +0.93% | 8th bottom |
| Net Interest Spread | 2.70% | — | — | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.88% | -0.83% | 79th top |
| NPA / Total Assets | 0.04% | — | — | 79th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 31st below |
| ACL / Total Loans | 1.08% | — | — | 36th below |
| ACL / NPLs (Coverage) | 2041.55% | — | — | — |
| Texas Ratio | 0.39% | 5.96% | -5.57% | 79th top |
| Provision / NCO | 293.10% | — | — | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.70% | 17.18% | -5.48% | 14th bottom |
| Tier 1 Ratio | 11.70% | 17.21% | -5.51% | 13th bottom |
| Total Capital Ratio | 12.74% | — | — | 13th bottom |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.98% | 11.75% | -0.77% | 50th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.54% | 10.98% | -0.44% | 53rd above |
| TCE / Tangible Assets | 10.54% | — | — | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.37% | 80.44% | +14.93% | 18th bottom |
| Core Deposit Ratio | 64.93% | 86.95% | -22.02% | 3rd bottom |
| Wholesale Funding Ratio | 0.67% | — | — | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.31% | — | — | 70th above |
| Loan Growth (Y/Y) | 3.73% | — | — | 40th below |
| Deposit Growth (Y/Y) | 14.06% | — | — | 90th top |
See BANK3's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock BANK3, 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 BANK3 profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the BANK3 peer analysis.