Commercial Banking Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Commercial Banking Company of Valdosta, GA 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 | 1.88% | 1.34% | +0.54% | 81st top |
| ROAE | 19.96% | 13.31% | +6.65% | 87th top |
| Net Interest Margin | 4.74% | 3.93% | +0.81% | 87th top |
| Efficiency Ratio | 56.63% | 61.14% | -4.51% | 64th above |
| PPNR / Avg Assets | 2.41% | 1.68% | +0.73% | 87th top |
| Yield on Earning Assets | 6.31% | 5.67% | +0.64% | 81st top |
| Cost of Funds | 1.70% | 1.88% | -0.18% | 56th above |
| Net Interest Spread | 3.88% | 3.32% | +0.56% | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.94% | -0.85% | 74th above |
| NPA / Total Assets | 0.07% | 0.70% | -0.63% | 75th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 45th below |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 59th above |
| ACL / NPLs (Coverage) | 1453.36% | 1538.71% | -85.35% | — |
| Texas Ratio | 0.63% | 7.33% | -6.70% | 78th top |
| Provision / NCO | 4000.00% | 1393.92% | +2606.08% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.43% | 19.51% | -5.08% | 43rd below |
| Tier 1 Ratio | 14.43% | 19.54% | -5.11% | 43rd below |
| Total Capital Ratio | 15.68% | 20.62% | -4.94% | 44th below |
| Leverage Ratio | 10.32% | 12.14% | -1.82% | 38th below |
| Equity / Assets | 9.44% | 11.38% | -1.94% | 35th below |
| TCE / Tangible Assets | 9.44% | 11.09% | -1.65% | 39th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.37% | 80.64% | +3.73% | 42nd below |
| Core Deposit Ratio | 80.09% | 86.86% | -6.77% | 16th bottom |
| Wholesale Funding Ratio | 1.22% | 5.04% | -3.82% | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.80% | 6.85% | +7.95% | 91st top |
| Loan Growth (Y/Y) | 16.95% | 7.90% | +9.05% | 89th top |
| Deposit Growth (Y/Y) | 14.28% | 6.28% | +8.00% | 90th top |
See Commercial Banking Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Commercial Banking 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 Banking Company profile, how to read a UBPR, or how this data updates.