The Callaway Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Callaway Bank of Fulton, MO against its peer group of 2672 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 | 1.49% | 1.34% | +0.15% | 62nd above |
| ROAE | 15.60% | 13.31% | +2.29% | 69th above |
| Net Interest Margin | 4.52% | 3.93% | +0.59% | 80th top |
| Efficiency Ratio | 59.52% | 61.14% | -1.62% | 56th above |
| PPNR / Avg Assets | 1.99% | 1.68% | +0.31% | 72nd above |
| Yield on Earning Assets | 5.79% | 5.67% | +0.12% | 59th above |
| Cost of Funds | 1.35% | 1.88% | -0.53% | 77th top |
| Net Interest Spread | 4.00% | 3.32% | +0.68% | 83rd 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. | 0.66% | 0.94% | -0.28% | 38th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.49% | 0.70% | -0.21% | 38th below |
| NCO / Avg Loans | -0.17% | 0.16% | -0.33% | 98th top |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 46th below |
| ACL / NPLs (Coverage) | 175.27% | 1539.41% | -1364.14% | 44th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.43% | 7.33% | -1.90% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.12% | 12.14% | -2.02% | 34th below |
| Equity / Assets | 9.78% | 11.38% | -1.60% | 41st below |
| TCE / Tangible Assets | 9.78% | 11.09% | -1.31% | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.88% | 80.63% | +8.25% | 31st below |
| Core Deposit Ratio | 93.04% | 86.86% | +6.18% | 74th above |
| Wholesale Funding Ratio | 5.71% | 5.03% | +0.68% | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.56% | 6.85% | -4.29% | 36th below |
| Loan Growth (Y/Y) | 1.81% | 7.91% | -6.10% | 31st below |
| Deposit Growth (Y/Y) | 6.52% | 6.29% | +0.23% | 67th above |
See The Callaway Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Callaway 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 The Callaway Bank profile, how to read a UBPR, or how this data updates.