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 Paris, TN against its peer group of 927 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. | 1.35% | 1.46% | -0.11% | 56th above |
| ROAE | 15.07% | 12.69% | +2.38% | 72nd above |
| Net Interest Margin | 3.63% | 3.85% | -0.22% | 44th below |
| Efficiency Ratio | 64.11% | 57.40% | +6.71% | 33rd below |
| PPNR / Avg Assets | 1.57% | 1.88% | -0.31% | 40th below |
| Yield on Earning Assets | 5.01% | 5.72% | -0.71% | 21st bottom |
| Cost of Funds | 1.36% | 2.02% | -0.66% | 85th top |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.12% | 3.18% | -0.06% | 54th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 1.00% | -0.85% | 85th top |
| NPA / Total Assets | 0.09% | 0.76% | -0.67% | 87th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.43% | -0.39% | 46th below |
| ACL / Total Loans | 1.46% | 1.31% | +0.15% | 84th top |
| ACL / NPLs (Coverage) | 979.22% | 564.18% | +415.04% | 91st top |
| Texas Ratio | 0.97% | 7.39% | -6.42% | 87th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 561.63% | 618.57% | -56.94% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.46% | 17.33% | +2.13% | 90th top |
| Tier 1 Ratio | 19.46% | 17.37% | +2.09% | 90th top |
| Total Capital Ratio | 20.71% | 18.42% | +2.29% | 90th top |
| Leverage Ratio | 12.08% | 11.44% | +0.64% | 77th top |
| Equity / Assets | 9.11% | 11.34% | -2.23% | 23rd bottom |
| TCE / Tangible Assets | 8.76% | 10.50% | -1.74% | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.91% | 86.96% | -21.05% | 89th top |
| Core Deposit Ratio | 93.84% | 85.55% | +8.29% | 78th top |
| Uninsured Deposit Ratio | 37.49% | 33.12% | +4.37% | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.58% | 9.68% | -12.26% | 7th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.48% | 8.06% | -0.58% | 61st above |
| Deposit Growth (Y/Y) | -3.97% | 7.88% | -11.85% | 6th bottom |
See Commercial Bank & Trust Company's peers by name
The 927 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.