The Commercial Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Commercial Bank of Honea Path, SC 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 | 0.85% | 1.34% | -0.49% | 26th below |
| ROAE | 10.41% | 13.32% | -2.91% | 39th below |
| Net Interest Margin | 3.01% | 3.93% | -0.92% | 10th bottom |
| Efficiency Ratio | 72.64% | 61.14% | +11.50% | 23rd bottom |
| PPNR / Avg Assets | 0.90% | 1.68% | -0.78% | 17th bottom |
| Yield on Earning Assets | 4.00% | 5.67% | -1.67% | 3rd bottom |
| Cost of Funds | 1.02% | 1.88% | -0.86% | 91st top |
| Net Interest Spread | 2.48% | 3.32% | -0.84% | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.88% | 0.94% | -0.06% | 31st below |
| NPA / Total Assets | 0.32% | 0.70% | -0.38% | 50th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 42nd below |
| ACL / Total Loans | 1.13% | 1.28% | -0.15% | 41st below |
| ACL / NPLs (Coverage) | 128.36% | 1539.10% | -1410.74% | 36th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.67% | 7.33% | -3.66% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.65% | 12.14% | +0.51% | 72nd above |
| Equity / Assets | 8.21% | 11.38% | -3.17% | 16th bottom |
| TCE / Tangible Assets | 8.21% | 11.09% | -2.88% | 19th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 40.72% | 80.65% | -39.93% | 95th top |
| Core Deposit Ratio | 92.44% | 86.86% | +5.58% | 70th above |
| Wholesale Funding Ratio | 2.82% | 5.03% | -2.21% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.94% | 6.85% | +2.09% | 79th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.75% | 7.90% | -1.15% | 59th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.27% | 6.29% | -1.02% | 59th above |
See The Commercial Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The 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 The Commercial Bank profile, how to read a UBPR, or how this data updates.