Commercial Trust Company of Fayette: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Commercial Trust Company of Fayette of Fayette, MO 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. | 1.27% | 1.34% | -0.07% | 50th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.56% | 13.31% | -0.75% | 51st above |
| Net Interest Margin | 3.74% | 3.93% | -0.19% | 39th below |
| Efficiency Ratio | 70.27% | 61.14% | +9.13% | 28th below |
| PPNR / Avg Assets | 1.38% | 1.68% | -0.30% | 38th below |
| Yield on Earning Assets | 5.52% | 5.67% | -0.15% | 46th below |
| Cost of Funds | 1.95% | 1.88% | +0.07% | 40th below |
| Net Interest Spread | 3.22% | 3.32% | -0.10% | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.36% | 0.94% | -0.58% | 53rd above |
| NPA / Total Assets | 0.24% | 0.70% | -0.46% | 56th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 32nd below |
| ACL / Total Loans | 0.90% | 1.28% | -0.38% | 18th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 249.75% | 1538.90% | -1289.15% | 54th above |
| Texas Ratio | 2.29% | 7.33% | -5.04% | 60th above |
| Provision / NCO | 0.00% | 1395.83% | -1395.83% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.41% | 12.14% | -1.73% | 39th below |
| Equity / Assets | 10.06% | 11.37% | -1.31% | 45th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.06% | 11.09% | -1.03% | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.05% | 80.64% | -4.59% | 59th above |
| Core Deposit Ratio | 92.33% | 86.86% | +5.47% | 69th above |
| Wholesale Funding Ratio | 1.22% | 5.03% | -3.81% | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.28% | 6.85% | -1.57% | 57th above |
| Loan Growth (Y/Y) | 2.64% | 7.90% | -5.26% | 35th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.69% | 6.29% | -0.60% | 62nd above |
See Commercial Trust Company of Fayette's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Commercial Trust Company of Fayette, 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 Trust Company of Fayette profile, how to read a UBPR, or how this data updates.