Bank47: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank47 of Union Springs, 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 | -3.28% | 3.15% | -6.43% | 4th bottom |
| ROAE | -35.94% | 10.54% | -46.48% | 3rd bottom |
| Net Interest Margin | 2.99% | 3.93% | -0.94% | 13th bottom |
| Efficiency Ratio | 186.82% | 76.01% | +110.81% | 3rd bottom |
| PPNR / Avg Assets | -3.08% | 1.41% | -4.49% | 2nd bottom |
| Yield on Earning Assets | 5.08% | 5.35% | -0.27% | 45th below |
| Cost of Funds | 2.35% | 1.70% | +0.65% | 18th bottom |
| Net Interest Spread | 2.48% | 3.31% | -0.83% | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.11% | 1.34% | -1.23% | 58th above |
| NPA / Total Assets | 0.08% | 0.71% | -0.63% | 54th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.11% | -0.10% | 25th below |
| ACL / Total Loans | 2.41% | 1.48% | +0.93% | 88th top |
| ACL / NPLs (Coverage) | 2125.68% | 859.12% | +1266.56% | — |
| Texas Ratio | 1.18% | 8.27% | -7.09% | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.97% | 17.62% | -4.65% | 48th below |
| Equity / Assets | 8.54% | 16.44% | -7.90% | 12th bottom |
| TCE / Tangible Assets | 8.54% | 16.19% | -7.65% | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.31% | 72.82% | +1.49% | 40th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.96% | 88.21% | +0.75% | 36th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 39.94% | 4.21% | +35.73% | 99th top |
| Loan Growth (Y/Y) | 67.02% | 6.56% | +60.46% | 98th top |
| Deposit Growth (Y/Y) | 44.98% | 3.66% | +41.32% | 99th top |
See Bank47's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank47, 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 Bank47 profile, how to read a UBPR, or how this data updates.