Coffee County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Coffee County Bank of Manchester, 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 | 2.79% | 1.34% | +1.45% | 96th top |
| ROAE | 30.78% | 13.31% | +17.47% | 98th top |
| Net Interest Margin | 4.97% | 3.93% | +1.04% | 92nd top |
| Efficiency Ratio | 53.38% | 61.14% | -7.76% | 73rd above |
| PPNR / Avg Assets | 2.98% | 1.68% | +1.30% | 95th top |
| Yield on Earning Assets | 6.96% | 5.67% | +1.29% | 95th top |
| Cost of Funds | 2.15% | 1.88% | +0.27% | 29th below |
| Net Interest Spread | 4.23% | 3.32% | +0.91% | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.42% | 0.94% | -0.52% | 49th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.36% | 0.70% | -0.34% | 46th below |
| NCO / Avg Loans | -0.05% | 0.16% | -0.21% | 94th top |
| ACL / Total Loans | 1.33% | 1.28% | +0.05% | 65th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 313.10% | 1539.23% | -1226.13% | 61st above |
| Texas Ratio | 3.50% | 7.33% | -3.83% | 50th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 862.22% | 1395.82% | -533.60% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.78% | 19.51% | -7.73% | 15th bottom |
| Tier 1 Ratio | 11.78% | 19.54% | -7.76% | 15th bottom |
| Total Capital Ratio | 13.04% | 20.63% | -7.59% | 17th bottom |
| Leverage Ratio | 9.65% | 12.14% | -2.49% | 25th below |
| Equity / Assets | 9.27% | 11.38% | -2.11% | 31st below |
| TCE / Tangible Assets | 9.27% | 11.09% | -1.82% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.71% | 80.63% | +15.08% | 17th bottom |
| Core Deposit Ratio | 82.18% | 86.86% | -4.68% | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.65% | 6.85% | -0.20% | 67th above |
| Loan Growth (Y/Y) | 12.49% | 7.90% | +4.59% | 81st top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.75% | 6.29% | -0.54% | 62nd above |
See Coffee County Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Coffee County 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 Coffee County Bank profile, how to read a UBPR, or how this data updates.