Banner Capital Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Banner Capital Bank of Harrisburg, NE 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 | 2.12% | 1.34% | +0.78% | 88th top |
| ROAE | 19.50% | 13.32% | +6.18% | 86th top |
| Net Interest Margin | 4.62% | 3.93% | +0.69% | 83rd top |
| Efficiency Ratio | 49.96% | 61.13% | -11.17% | 81st top |
| PPNR / Avg Assets | 2.27% | 1.68% | +0.59% | 82nd top |
| Yield on Earning Assets | 6.82% | 5.67% | +1.15% | 93rd top |
| Cost of Funds | 2.44% | 1.88% | +0.56% | 17th bottom |
| Net Interest Spread | 4.05% | 3.32% | +0.73% | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.53% | 0.94% | -0.41% | 43rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.44% | 0.70% | -0.26% | 41st below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 29th below |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 60th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 240.30% | 1546.65% | -1306.35% | 53rd above |
| Texas Ratio | 9.53% | 7.34% | +2.19% | 23rd bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 881.48% | 1395.15% | -513.67% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.96% | 19.49% | -7.53% | 17th bottom |
| Tier 1 Ratio | 11.96% | 19.52% | -7.56% | 17th bottom |
| Total Capital Ratio | 13.21% | 20.61% | -7.40% | 19th bottom |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.96% | 12.14% | -1.18% | 50th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.84% | 11.36% | -0.52% | 57th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.27% | 11.08% | -0.81% | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.79% | 80.66% | +12.13% | 23rd bottom |
| Core Deposit Ratio | 85.23% | 86.85% | -1.62% | 31st below |
| Wholesale Funding Ratio | 0.53% | 5.04% | -4.51% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.85% | 6.84% | +0.01% | 68th above |
| Loan Growth (Y/Y) | 11.13% | 7.92% | +3.21% | 77th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.02% | 6.29% | -0.27% | 64th above |
See Banner Capital Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Banner Capital 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 Banner Capital Bank profile, how to read a UBPR, or how this data updates.