Central Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Central Bank of Savannah, TN 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 | 0.49% | 1.35% | -0.86% | 13th bottom |
| ROAE | 4.61% | 12.06% | -7.45% | 13th bottom |
| Net Interest Margin | 4.24% | 3.90% | +0.34% | 67th above |
| Efficiency Ratio | 67.67% | 63.15% | +4.52% | 33rd below |
| PPNR / Avg Assets | 1.54% | 1.64% | -0.10% | 47th below |
| Yield on Earning Assets | 5.79% | 5.65% | +0.14% | 59th above |
| Cost of Funds | 1.66% | 1.85% | -0.19% | 59th above |
| Net Interest Spread | 3.21% | 3.35% | -0.14% | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 86th top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 87th top |
| NCO / Avg Loans | 1.30% | 0.14% | +1.16% | 2nd bottom |
| ACL / Total Loans | 1.00% | 1.28% | -0.28% | 26th below |
| ACL / NPLs (Coverage) | 115400.00% | 1596.71% | +113803.29% | — |
| Texas Ratio | 0.01% | 7.15% | -7.14% | 90th top |
| Provision / NCO | 110.39% | 1189.85% | -1079.46% | 43rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 19.79% | 20.83% | -1.04% | 76th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 19.79% | 20.86% | -1.07% | 76th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 21.04% | 21.94% | -0.90% | 77th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.95% | 12.46% | -0.51% | 65th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.90% | 11.67% | -0.77% | 58th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.90% | 11.40% | -0.50% | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.65% | 78.64% | +3.01% | 48th below |
| Core Deposit Ratio | 81.63% | 87.10% | -5.47% | 20th bottom |
| Wholesale Funding Ratio | 0.00% | 5.12% | -5.12% | 100th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.15% | 6.47% | +3.68% | 83rd top |
| Loan Growth (Y/Y) | 24.71% | 7.63% | +17.08% | 95th top |
| Deposit Growth (Y/Y) | 10.53% | 6.02% | +4.51% | 84th top |
See Central Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Central 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 Central Bank profile, how to read a UBPR, or how this data updates.