Blueharbor Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Blueharbor Bank of Mooresville, NC 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 | 2.29% | 1.25% | +1.04% | 92nd top |
| ROAE | 20.79% | 12.22% | +8.57% | 89th top |
| Net Interest Margin | 4.33% | 3.95% | +0.38% | 72nd above |
| Efficiency Ratio | 31.97% | 63.71% | -31.74% | 99th top |
| PPNR / Avg Assets | 3.01% | — | — | 95th top |
| Yield on Earning Assets | 5.99% | 5.67% | +0.32% | 68th above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.83% | 1.87% | -0.04% | 48th below |
| Net Interest Spread | 3.45% | — | — | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 94th top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 83rd top |
| ACL / Total Loans | 0.94% | — | — | 20th bottom |
| Texas Ratio | 0.00% | 5.96% | -5.96% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.14% | 17.18% | -4.04% | 30th below |
| Tier 1 Ratio | 13.14% | 17.21% | -4.07% | 30th below |
| Total Capital Ratio | 14.16% | — | — | 28th below |
| Leverage Ratio | 11.78% | 11.75% | +0.03% | 62nd above |
| Equity / Assets | 11.08% | 10.98% | +0.10% | 61st above |
| TCE / Tangible Assets | 11.08% | — | — | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.44% | 80.44% | +17.00% | 15th bottom |
| Core Deposit Ratio | 81.69% | 86.95% | -5.26% | 20th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 15.42% | — | — | 92nd top |
| Loan Growth (Y/Y) | 16.22% | — | — | 88th top |
| Deposit Growth (Y/Y) | 17.75% | — | — | 93rd top |
See Blueharbor Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Blueharbor 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 Blueharbor Bank 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 Blueharbor Bank peer analysis.