Black River Country Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Black River Country Bank of Black River Falls, WI 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 | 1.42% | 1.34% | +0.08% | 58th above |
| ROAE | 19.31% | 13.32% | +5.99% | 85th top |
| Net Interest Margin | 3.90% | 3.93% | -0.03% | 48th below |
| Efficiency Ratio | 62.44% | 61.13% | +1.31% | 47th below |
| PPNR / Avg Assets | 1.47% | 1.68% | -0.21% | 43rd below |
| Yield on Earning Assets | 5.38% | 5.67% | -0.29% | 39th below |
| Cost of Funds | 1.62% | 1.88% | -0.26% | 61st above |
| Net Interest Spread | 3.41% | 3.32% | +0.09% | 54th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.29% | 0.94% | -0.65% | 58th above |
| NPA / Total Assets | 0.22% | 0.70% | -0.48% | 58th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 40th below |
| ACL / Total Loans | 1.57% | 1.28% | +0.29% | 82nd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 551.75% | 1546.23% | -994.48% | 73rd above |
| Texas Ratio | 2.55% | 7.34% | -4.79% | 57th above |
| Provision / NCO | 1750.00% | 1394.81% | +355.19% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.26% | 19.49% | -7.23% | 20th bottom |
| Tier 1 Ratio | 12.26% | 19.52% | -7.26% | 20th bottom |
| Total Capital Ratio | 13.52% | 20.61% | -7.09% | 22nd bottom |
| Leverage Ratio | 8.94% | 12.14% | -3.20% | 12th bottom |
| Equity / Assets | 7.55% | 11.37% | -3.82% | 10th bottom |
| TCE / Tangible Assets | 7.55% | 11.08% | -3.53% | 11th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.72% | 80.66% | +13.06% | 21st bottom |
| Core Deposit Ratio | 91.31% | 86.85% | +4.46% | 63rd above |
| Wholesale Funding Ratio | 8.21% | 5.03% | +3.18% | 20th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.56% | 6.84% | -5.28% | 30th below |
| Loan Growth (Y/Y) | 4.24% | 7.92% | -3.68% | 43rd below |
| Deposit Growth (Y/Y) | 2.50% | 6.29% | -3.79% | 39th below |
See Black River Country Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Black River Country 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 Black River Country Bank profile, how to read a UBPR, or how this data updates.