Commercial Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Commercial Bank & Trust Company of Monticello, AR 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 | 0.76% | 1.34% | -0.58% | 21st bottom |
| ROAE | 10.99% | 13.32% | -2.33% | 42nd below |
| Net Interest Margin | 3.04% | 3.93% | -0.89% | 11th bottom |
| Efficiency Ratio | 63.26% | 61.14% | +2.12% | 44th below |
| PPNR / Avg Assets | 1.25% | 1.68% | -0.43% | 31st below |
| Yield on Earning Assets | 5.14% | 5.67% | -0.53% | 28th below |
| Cost of Funds | 2.20% | 1.88% | +0.32% | 26th below |
| Net Interest Spread | 2.37% | 3.32% | -0.95% | 9th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 6.54% | 0.94% | +5.60% | 1st bottom |
| NPA / Total Assets | 4.56% | 0.70% | +3.86% | 1st bottom |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 87th top |
| ACL / Total Loans | 1.46% | 1.28% | +0.18% | 75th top |
| ACL / NPLs (Coverage) | 22.28% | 1539.26% | -1516.98% | 2nd bottom |
| Texas Ratio | 56.10% | 7.31% | +48.79% | 1st bottom |
| Provision / NCO | 1022.73% | 1395.69% | -372.96% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.30% | 12.14% | -0.84% | 55th above |
| Equity / Assets | 7.14% | 11.38% | -4.24% | 7th bottom |
| TCE / Tangible Assets | 7.14% | 11.09% | -3.95% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.23% | 80.64% | -6.41% | 63rd above |
| Core Deposit Ratio | 75.11% | 86.86% | -11.75% | 9th bottom |
| Wholesale Funding Ratio | 0.27% | 5.04% | -4.77% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.64% | 6.85% | -7.49% | 16th bottom |
| Loan Growth (Y/Y) | 3.97% | 7.90% | -3.93% | 42nd below |
| Deposit Growth (Y/Y) | 0.01% | 6.29% | -6.28% | 23rd bottom |
See Commercial Bank & Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Commercial Bank & Trust Company, 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 & Trust Company profile, how to read a UBPR, or how this data updates.