Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community Bank of Carmichaels, PA against its peer group of 941 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 | 1.06% | 1.34% | -0.28% | 32nd below |
| ROAE | 10.59% | 12.34% | -1.75% | 35th below |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.73% | 3.83% | -0.10% | 52nd above |
| Efficiency Ratio | 65.40% | 58.97% | +6.43% | 28th below |
| PPNR / Avg Assets | 1.27% | — | — | 24th bottom |
| Yield on Earning Assets | 5.29% | 5.71% | -0.42% | 35th below |
| Cost of Funds | 1.69% | 2.02% | -0.33% | 70th above |
| Net Interest Spread | 3.10% | — | — | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.29% | 0.87% | -0.58% | 69th above |
| NPA / Total Assets | 0.20% | — | — | 71st above |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 69th above |
| ACL / Total Loans | 0.89% | — | — | 18th bottom |
| ACL / NPLs (Coverage) | 308.47% | — | — | 65th above |
| Texas Ratio | 1.99% | 5.48% | -3.49% | 69th above |
| Provision / NCO | 200.00% | — | — | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.22% | 14.99% | -0.77% | 61st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.22% | 15.02% | -0.80% | 60th above |
| Total Capital Ratio | 15.18% | — | — | 58th above |
| Leverage Ratio | 9.94% | 11.11% | -1.17% | 35th below |
| Equity / Assets | 10.25% | 11.02% | -0.77% | 47th below |
| TCE / Tangible Assets | 9.72% | — | — | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.10% | 86.99% | -1.89% | 58th above |
| Core Deposit Ratio | 93.08% | 85.57% | +7.51% | 75th top |
| Uninsured Deposit Ratio | 41.54% | 33.19% | +8.35% | 22nd bottom |
| Wholesale Funding Ratio | 5.13% | — | — | 40th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.12% | — | — | 72nd above |
| Loan Growth (Y/Y) | 6.15% | — | — | 51st above |
| Deposit Growth (Y/Y) | 5.08% | — | — | 50th above |
See Community Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community 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.