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 Harrogate, TN against its peer group of 931 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 | 1.89% | 1.46% | +0.43% | 84th top |
| ROAE | 16.57% | 12.71% | +3.86% | 79th top |
| Net Interest Margin | 4.04% | 3.85% | +0.19% | 71st above |
| Efficiency Ratio | 40.22% | 57.42% | -17.20% | 92nd top |
| PPNR / Avg Assets | 2.49% | 1.88% | +0.61% | 87th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.64% | 5.72% | -0.08% | 56th above |
| Cost of Funds | 1.73% | 2.02% | -0.29% | 67th above |
| Net Interest Spread | 3.51% | 3.18% | +0.33% | 77th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.35% | 1.00% | -0.65% | 69th above |
| NPA / Total Assets | 0.31% | 0.76% | -0.45% | 63rd above |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 70th above |
| ACL / Total Loans | 0.97% | 1.31% | -0.34% | 27th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 281.11% | 543.60% | -262.49% | 67th above |
| Texas Ratio | 2.68% | 7.39% | -4.71% | 70th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.02% | 17.34% | -4.32% | 42nd below |
| Tier 1 Ratio | 13.02% | 17.37% | -4.35% | 42nd below |
| Total Capital Ratio | 13.97% | 18.42% | -4.45% | 39th below |
| Leverage Ratio | 11.58% | 11.44% | +0.14% | 71st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.12% | 11.34% | -0.22% | 62nd above |
| TCE / Tangible Assets | 10.99% | 10.50% | +0.49% | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.18% | 86.94% | +14.24% | 15th bottom |
| Core Deposit Ratio | 91.43% | 85.55% | +5.88% | 65th above |
| Uninsured Deposit Ratio | 24.93% | 33.13% | -8.20% | 71st above |
| Wholesale Funding Ratio | 6.95% | 5.70% | +1.25% | 29th below |
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. | 5.24% | 9.69% | -4.45% | 50th above |
| Loan Growth (Y/Y) | 8.42% | 8.06% | +0.36% | 66th above |
| Deposit Growth (Y/Y) | 2.95% | 7.87% | -4.92% | 37th below |
See Commercial Bank's peers by name
The 931 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.