Central Bank and Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Central Bank and Trust of Lander, WY 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 | 2.34% | 1.35% | +0.99% | 92nd top |
| ROAE | 27.74% | 12.05% | +15.69% | 97th top |
| Net Interest Margin | 4.65% | 3.90% | +0.75% | 84th top |
| Efficiency Ratio | 50.39% | 63.15% | -12.76% | 80th top |
| PPNR / Avg Assets | 2.38% | 1.64% | +0.74% | 86th top |
| Yield on Earning Assets | 5.30% | 5.65% | -0.35% | 35th below |
| Cost of Funds | 0.70% | 1.85% | -1.15% | 97th top |
| Net Interest Spread | 4.31% | 3.35% | +0.96% | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 32nd below |
| ACL / Total Loans | 0.73% | 1.28% | -0.55% | 8th bottom |
| Texas Ratio | 0.02% | 7.15% | -7.13% | 90th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 411.11% | 1189.67% | -778.56% | 70th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.17% | 20.83% | -3.66% | 64th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.17% | 20.86% | -3.69% | 64th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.97% | 21.94% | -3.97% | 63rd above |
| Leverage Ratio | 8.56% | 12.47% | -3.91% | 7th bottom |
| Equity / Assets | 8.50% | 11.67% | -3.17% | 20th bottom |
| TCE / Tangible Assets | 8.50% | 11.40% | -2.90% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.31% | 78.65% | -17.34% | 82nd top |
| Core Deposit Ratio | 97.78% | 87.09% | +10.69% | 95th top |
| Wholesale Funding Ratio | 1.38% | 5.12% | -3.74% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.31% | 6.48% | -4.17% | 34th below |
| Loan Growth (Y/Y) | 3.27% | 7.64% | -4.37% | 38th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.27% | 6.02% | -1.75% | 52nd above |
See Central Bank and Trust's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Central Bank and Trust, 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 and Trust profile, how to read a UBPR, or how this data updates.