Commercial Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Commercial Bank of West Liberty, KY 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 | 1.25% | 1.34% | -0.09% | 49th below |
| ROAE Behind the peer average, ahead of the median peer. | 13.27% | 13.31% | -0.04% | 55th above |
| Net Interest Margin | 3.95% | 3.93% | +0.02% | 50th above |
| Efficiency Ratio | 65.39% | 61.14% | +4.25% | 38th below |
| PPNR / Avg Assets | 1.36% | 1.68% | -0.32% | 37th below |
| Yield on Earning Assets | 5.98% | 5.67% | +0.31% | 68th above |
| Cost of Funds | 1.72% | 1.88% | -0.16% | 55th above |
| Net Interest Spread | 3.29% | 3.32% | -0.03% | 48th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.39% | 0.94% | +0.45% | 20th bottom |
| NPA / Total Assets | 0.97% | 0.70% | +0.27% | 21st bottom |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 85th top |
| ACL / Total Loans | 0.97% | 1.28% | -0.31% | 22nd bottom |
| ACL / NPLs (Coverage) | 69.72% | 1539.01% | -1469.29% | 18th bottom |
| Texas Ratio | 11.57% | 7.33% | +4.24% | 18th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.62% | 19.50% | -2.88% | 61st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.62% | 19.54% | -2.92% | 61st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.72% | 20.62% | -2.90% | 61st above |
| Leverage Ratio | 10.05% | 12.14% | -2.09% | 33rd below |
| Equity / Assets | 9.75% | 11.37% | -1.62% | 40th below |
| TCE / Tangible Assets | 8.37% | 11.09% | -2.72% | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.67% | 80.64% | +2.03% | 46th below |
| Core Deposit Ratio | 93.98% | 86.86% | +7.12% | 79th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.43% | 5.03% | -0.60% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.97% | 6.85% | -5.88% | 25th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.32% | 7.90% | -1.58% | 56th above |
| Deposit Growth (Y/Y) | 1.70% | 6.29% | -4.59% | 33rd below |
See Commercial Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Commercial 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 Commercial Bank profile, how to read a UBPR, or how this data updates.