Cedar Security Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cedar Security Bank of Fordyce, NE against its peer group of 578 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 | 2.02% | 0.85% | +1.17% | 83rd top |
| ROAE | 11.47% | 5.23% | +6.24% | 64th above |
| Net Interest Margin | 5.26% | 3.94% | +1.32% | 91st top |
| Efficiency Ratio | 49.69% | 74.96% | -25.27% | 88th top |
| PPNR / Avg Assets | 2.53% | — | — | 90th top |
| Yield on Earning Assets | 6.20% | 5.42% | +0.78% | 81st top |
| Cost of Funds | 1.06% | 1.69% | -0.63% | 75th top |
| Net Interest Spread | 4.78% | — | — | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 1.34% | -1.21% | 56th above |
| NPA / Total Assets | 0.08% | — | — | 54th above |
| NCO / Avg Loans | -0.74% | 0.11% | -0.85% | 99th top |
| ACL / Total Loans | 2.30% | — | — | 87th top |
| ACL / NPLs (Coverage) | 1714.00% | — | — | — |
| Texas Ratio Ahead of the peer average, behind the median peer. | 2.96% | 7.23% | -4.27% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 18.04% | 14.13% | +3.91% | 75th top |
| Equity / Assets | 18.15% | 13.07% | +5.08% | 76th top |
| TCE / Tangible Assets | 18.15% | — | — | 77th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.01% | 68.58% | +7.43% | 37th below |
| Core Deposit Ratio | 95.45% | 88.79% | +6.66% | 74th above |
| Wholesale Funding Ratio | 2.18% | — | — | 66th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.95% | — | — | 48th below |
| Loan Growth (Y/Y) | 16.49% | — | — | 88th top |
| Deposit Growth (Y/Y) | 2.17% | — | — | 48th below |
See Cedar Security Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cedar Security 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 Cedar Security 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 Cedar Security Bank peer analysis.