Centrebank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Centrebank of Veedersburg, IN against its peer group of 2757 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% | 1.25% | +1.09% | 92nd top |
| ROAE | 13.87% | 12.22% | +1.65% | 59th above |
| Net Interest Margin | 5.69% | 3.95% | +1.74% | 98th top |
| Efficiency Ratio | 56.03% | 63.71% | -7.68% | 66th above |
| PPNR / Avg Assets | 2.74% | — | — | 93rd top |
| Yield on Earning Assets | 6.78% | 5.67% | +1.11% | 92nd top |
| Cost of Funds | 1.22% | 1.87% | -0.65% | 84th top |
| Net Interest Spread | 5.03% | — | — | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.33% | 0.88% | -0.55% | 55th above |
| NPA / Total Assets | 0.25% | — | — | 55th above |
| NCO / Avg Loans | -0.02% | 0.15% | -0.17% | 91st top |
| ACL / Total Loans | 1.45% | — | — | 75th top |
| ACL / NPLs (Coverage) | 440.07% | — | — | 67th above |
| Texas Ratio | 1.38% | 5.96% | -4.58% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.16% | 11.75% | +5.41% | 93rd top |
| Equity / Assets | 17.11% | 10.98% | +6.13% | 93rd top |
| TCE / Tangible Assets | 17.11% | — | — | 94th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.42% | 80.44% | +11.98% | 24th bottom |
| Core Deposit Ratio | 90.99% | 86.95% | +4.04% | 61st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.14% | — | — | 75th top |
| Loan Growth (Y/Y) | 7.12% | — | — | 60th above |
| Deposit Growth (Y/Y) | 7.59% | — | — | 73rd above |
See Centrebank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Centrebank, 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 Centrebank 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 Centrebank peer analysis.