Carver State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Carver State Bank of Savannah, GA 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 | 1.35% | 1.34% | +0.01% | 55th above |
| ROAE | 9.13% | 13.31% | -4.18% | 31st below |
| Net Interest Margin | 4.68% | 3.93% | +0.75% | 85th top |
| Efficiency Ratio | 73.75% | 61.14% | +12.61% | 21st bottom |
| PPNR / Avg Assets | 1.35% | 1.68% | -0.33% | 36th below |
| Yield on Earning Assets | 6.12% | 5.67% | +0.45% | 73rd above |
| Cost of Funds | 1.61% | 1.88% | -0.27% | 62nd above |
| Net Interest Spread | 3.66% | 3.32% | +0.34% | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.63% | 0.94% | -0.31% | 40th below |
| NPA / Total Assets | 0.30% | 0.70% | -0.40% | 51st above |
| NCO / Avg Loans | 0.52% | 0.16% | +0.36% | 6th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.28% | -0.01% | 58th above |
| ACL / NPLs (Coverage) | 202.03% | 1538.83% | -1336.80% | 48th below |
| Texas Ratio | 1.88% | 7.33% | -5.45% | 64th above |
| Provision / NCO | 0.00% | 1395.72% | -1395.72% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.99% | 12.14% | +2.85% | 86th top |
| Equity / Assets | 15.19% | 11.37% | +3.82% | 89th top |
| TCE / Tangible Assets | 15.19% | 11.09% | +4.10% | 90th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 50.62% | 80.64% | -30.02% | 91st top |
| Core Deposit Ratio | 69.36% | 86.86% | -17.50% | 5th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.32% | 6.85% | -5.53% | 28th below |
| Loan Growth (Y/Y) | 2.48% | 7.90% | -5.42% | 33rd below |
| Deposit Growth (Y/Y) | 2.48% | 6.29% | -3.81% | 39th below |
See Carver State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Carver State 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 Carver State Bank profile, how to read a UBPR, or how this data updates.