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 Nelson, NE against its peer group of 506 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 Behind the peer average, ahead of the median peer. | 1.05% | 3.13% | -2.08% | 50th above |
| ROAE | 7.79% | 10.30% | -2.51% | 47th below |
| Net Interest Margin | 4.49% | 3.94% | +0.55% | 74th above |
| Efficiency Ratio | 62.32% | 76.34% | -14.02% | 66th above |
| PPNR / Avg Assets | 1.46% | 1.40% | +0.06% | 59th above |
| Yield on Earning Assets | 6.02% | 5.35% | +0.67% | 77th top |
| Cost of Funds | 1.82% | 1.70% | +0.12% | 36th below |
| Net Interest Spread | 3.86% | 3.32% | +0.54% | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.06% | 1.33% | +1.73% | 10th bottom |
| NPA / Total Assets | 2.12% | 0.71% | +1.41% | 7th bottom |
| NCO / Avg Loans | 0.52% | 0.10% | +0.42% | 4th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.32% | 1.49% | -0.17% | 57th above |
| ACL / NPLs (Coverage) | 43.19% | 867.07% | -823.88% | 14th bottom |
| Texas Ratio | 14.33% | 8.25% | +6.08% | 13th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 192.00% | 290.34% | -98.34% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.01% | 62.31% | -43.30% | 38th below |
| Tier 1 Ratio | 19.01% | 62.32% | -43.31% | 38th below |
| Total Capital Ratio | 20.13% | 63.28% | -43.15% | 38th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 15.24% | 17.65% | -2.41% | 65th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 13.88% | 16.45% | -2.57% | 60th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 13.88% | 16.20% | -2.32% | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.15% | 72.82% | +10.33% | 27th below |
| Core Deposit Ratio | 84.89% | 88.28% | -3.39% | 22nd bottom |
| Wholesale Funding Ratio | 2.66% | 5.19% | -2.53% | 61st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.70% | 4.27% | -6.97% | 19th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 2.80% | 6.76% | -3.96% | 52nd above |
| Deposit Growth (Y/Y) | -6.98% | 3.74% | -10.72% | 8th bottom |
See Commercial Bank's peers by name
The 506 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.