Community Bank: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community Bank of Alva, OK against its peer group of 2694 similarly-sized US banks as of Q1 2026. The peer group is every US bank in the same asset tier (banks with $100M to $1B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.73% | 1.20% | +0.53% | 79th best quarter |
| ROAE | 13.17% | 11.60% | +1.57% | 60th better half |
| Net Interest Margin | 3.87% | 3.84% | +0.03% | 52nd better half |
| Efficiency Ratio | 48.61% | 62.55% | -13.94% | 14th best quarter |
| PPNR / Avg Assets | 1.73% | 1.49% | +0.24% | 65th better half |
| Yield on Earning Assets | 5.80% | 5.49% | +0.31% | 64th |
| Cost of Funds | 2.03% | 1.81% | +0.22% | 65th worse half |
| Net Interest Spread | 3.22% | 3.22% | +0.00% | 50th worse half |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 1.04% | 0.41% | +0.63% | 73rd worse half |
| NPA / Total Assets | 0.66% | 0.30% | +0.36% | 70th worse half |
| NCO / Avg Loans | -0.07% | 0.00% | -0.07% | 4th best quarter |
| ACL / Total Loans | 0.83% | 1.20% | -0.37% | 12th |
| ACL / NPLs (Coverage) | 80.49% | 232.45% | -151.96% | 20th worst quarter |
| Texas Ratio | 6.08% | 2.59% | +3.49% | 70th worse half |
| CRE / Total Capital | 10.32% | 120.02% | -109.70% | 5th best quarter |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Leverage Ratio | 10.86% | 10.86% | +0.00% | 50th better half |
| Equity / Assets | 13.06% | 10.16% | +2.90% | 81st best quarter |
| TCE / Tangible Assets | 10.60% | 9.90% | +0.70% | 61st better half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 73.63% | 79.27% | -5.64% | 38th |
| Core Deposit Ratio | 83.52% | 89.18% | -5.66% | 25th worse half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.66% | 4.34% | +5.32% | 81st |
| Loan Growth (Y/Y) | 63.11% | 5.43% | +57.68% | 99th |
| Deposit Growth (Y/Y) | 4.34% | 3.97% | +0.37% | 52nd |
See Community Bank's peers by name
The 2694 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this 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 Community Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Community Bank peer analysis.