Cass Commercial Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cass Commercial Bank of Des Peres, MO 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 | 2.18% | 1.43% | +0.75% | 91st top |
| ROAE | 15.35% | 12.50% | +2.85% | 74th above |
| Net Interest Margin | 3.97% | 3.84% | +0.13% | 66th above |
| Efficiency Ratio | 35.36% | 58.90% | -23.54% | 96th top |
| PPNR / Avg Assets | 2.97% | 1.78% | +1.19% | 95th top |
| Yield on Earning Assets | 5.24% | 5.71% | -0.47% | 31st below |
| Cost of Funds | 1.15% | 2.03% | -0.88% | 91st top |
| Net Interest Spread | 2.61% | 3.18% | -0.57% | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.16% | 0.97% | -0.81% | 84th top |
| NPA / Total Assets | 0.12% | 0.75% | -0.63% | 84th top |
| NCO / Avg Loans | 0.00% | 0.31% | -0.31% | 78th top |
| ACL / Total Loans | 1.32% | 1.25% | +0.07% | 72nd above |
| ACL / NPLs (Coverage) | 840.72% | 698.68% | +142.04% | 89th top |
| Texas Ratio | 0.79% | 7.17% | -6.38% | 89th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.16% | 17.41% | -0.25% | 84th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.16% | 17.44% | -0.28% | 83rd top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.40% | 18.50% | -0.10% | 84th top |
| Leverage Ratio | 14.10% | 11.59% | +2.51% | 90th top |
| Equity / Assets | 14.63% | 11.33% | +3.30% | 92nd top |
| TCE / Tangible Assets | 14.62% | 10.65% | +3.97% | 94th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.32% | 86.34% | +7.98% | 32nd below |
| Core Deposit Ratio | 97.02% | 85.54% | +11.48% | 93rd top |
| Uninsured Deposit Ratio | 64.76% | 32.67% | +32.09% | 2nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.40% | 10.46% | -9.06% | 25th below |
| Loan Growth (Y/Y) | 0.51% | 8.00% | -7.49% | 19th bottom |
| Deposit Growth (Y/Y) | 1.63% | 7.99% | -6.36% | 27th below |
See Cass Commercial Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cass Commercial 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 Cass Commercial Bank profile, how to read a UBPR, or how this data updates.