Champlain National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Champlain National Bank of Elizabethtown, NY 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 | 0.95% | 1.34% | -0.39% | 30th below |
| ROAE Behind the peer average, ahead of the median peer. | 12.90% | 13.31% | -0.41% | 53rd above |
| Net Interest Margin | 3.58% | 3.93% | -0.35% | 31st below |
| Efficiency Ratio | 70.69% | 61.13% | +9.56% | 27th below |
| PPNR / Avg Assets | 1.07% | 1.68% | -0.61% | 24th bottom |
| Yield on Earning Assets | 4.80% | 5.67% | -0.87% | 16th bottom |
| Cost of Funds | 1.04% | 1.88% | -0.84% | 90th top |
| Net Interest Spread | 2.97% | 3.32% | -0.35% | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.73% | 0.94% | +0.79% | 15th bottom |
| NPA / Total Assets | 1.14% | 0.70% | +0.44% | 17th bottom |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 88th top |
| ACL / Total Loans | 1.05% | 1.28% | -0.23% | 31st below |
| ACL / NPLs (Coverage) | 60.47% | 1539.45% | -1478.98% | 15th bottom |
| Texas Ratio | 13.51% | 7.33% | +6.18% | 15th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 188.24% | 1396.37% | -1208.13% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.87% | 12.14% | -1.27% | 48th below |
| Equity / Assets | 7.73% | 11.38% | -3.65% | 11th bottom |
| TCE / Tangible Assets | 7.73% | 11.09% | -3.36% | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.50% | 80.64% | -7.14% | 65th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.96% | 86.86% | +1.10% | 43rd below |
| Wholesale Funding Ratio | 0.80% | 5.04% | -4.24% | 85th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.58% | 6.85% | -5.27% | 30th below |
| Loan Growth (Y/Y) | -3.16% | 7.91% | -11.07% | 12th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.61% | 6.29% | -1.68% | 55th above |
See Champlain National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Champlain National 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 Champlain National Bank profile, how to read a UBPR, or how this data updates.