Benchmark Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Benchmark Community Bank of Kenbridge, VA against its peer group of 931 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 | 1.74% | 1.46% | +0.28% | 79th top |
| ROAE | 18.42% | 12.71% | +5.71% | 85th top |
| Net Interest Margin | 4.79% | 3.85% | +0.94% | 93rd top |
| Efficiency Ratio Behind the peer average, ahead of the median peer. | 58.09% | 57.41% | +0.68% | 51st above |
| PPNR / Avg Assets | 2.21% | 1.88% | +0.33% | 79th top |
| Yield on Earning Assets | 5.95% | 5.72% | +0.23% | 74th above |
| Cost of Funds | 1.23% | 2.02% | -0.79% | 89th top |
| Net Interest Spread | 4.34% | 3.18% | +1.16% | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.07% | 1.00% | -0.93% | 91st top |
| NPA / Total Assets | 0.07% | 0.76% | -0.69% | 89th top |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 61st above |
| ACL / Total Loans | 0.77% | 1.31% | -0.54% | 12th bottom |
| ACL / NPLs (Coverage) | 1118.23% | 543.03% | +575.20% | — |
| Texas Ratio | 1.56% | 7.39% | -5.83% | 82nd top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 235.87% | 618.85% | -382.98% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.02% | 17.34% | -4.32% | 42nd below |
| Tier 1 Ratio | 13.02% | 17.37% | -4.35% | 42nd below |
| Total Capital Ratio | 13.87% | 18.42% | -4.55% | 38th below |
| Leverage Ratio | 9.80% | 11.44% | -1.64% | 31st below |
| Equity / Assets | 9.44% | 11.34% | -1.90% | 31st below |
| TCE / Tangible Assets | 9.39% | 10.50% | -1.11% | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.57% | 86.95% | +2.62% | 47th below |
| Core Deposit Ratio | 96.69% | 85.55% | +11.14% | 92nd top |
| Uninsured Deposit Ratio | 7.75% | 33.14% | -25.39% | 98th top |
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. | 9.32% | 9.68% | -0.36% | 74th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.34% | 8.06% | -0.72% | 61st above |
| Deposit Growth (Y/Y) | 9.29% | 7.87% | +1.42% | 72nd above |
See Benchmark Community Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Benchmark Community 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 Benchmark Community Bank profile, how to read a UBPR, or how this data updates.