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 Ithaca, MI 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 Behind the peer average, ahead of the median peer. | 1.26% | 1.35% | -0.09% | 50th above |
| ROAE | 12.45% | 12.05% | +0.40% | 51st above |
| Net Interest Margin | 4.08% | 3.90% | +0.18% | 58th above |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 62.87% | 63.15% | -0.28% | 45th below |
| PPNR / Avg Assets | 1.51% | 1.64% | -0.13% | 45th below |
| Yield on Earning Assets | 4.97% | 5.65% | -0.68% | 22nd bottom |
| Cost of Funds | 0.79% | 1.85% | -1.06% | 96th top |
| Net Interest Spread | 3.74% | 3.35% | +0.39% | 72nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.48% | 0.92% | -0.44% | 46th below |
| NPA / Total Assets | 0.32% | 0.67% | -0.35% | 50th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 43rd below |
| ACL / Total Loans | 0.91% | 1.28% | -0.37% | 18th bottom |
| ACL / NPLs (Coverage) | 190.61% | 1645.76% | -1455.15% | 46th below |
| Texas Ratio | 3.06% | 7.15% | -4.09% | 53rd above |
| Provision / NCO | -346.15% | 1190.13% | -1536.28% | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.40% | 20.83% | -3.43% | 66th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.40% | 20.86% | -3.46% | 65th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.36% | 21.94% | -3.58% | 65th above |
| Leverage Ratio | 10.89% | 12.46% | -1.57% | 49th below |
| Equity / Assets | 10.30% | 11.67% | -1.37% | 49th below |
| TCE / Tangible Assets | 9.79% | 11.40% | -1.61% | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.24% | 78.64% | -1.40% | 57th above |
| Core Deposit Ratio | 90.14% | 87.09% | +3.05% | 55th above |
| Wholesale Funding Ratio | 3.26% | 5.11% | -1.85% | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.20% | 6.48% | -6.28% | 21st bottom |
| Loan Growth (Y/Y) | -4.36% | 7.64% | -12.00% | 8th bottom |
| Deposit Growth (Y/Y) | -2.98% | 6.03% | -9.01% | 10th bottom |
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.