Community Bank and Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community Bank and Trust of Neosho, 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 | 1.20% | 1.34% | -0.14% | 45th below |
| ROAE | 14.64% | 13.31% | +1.33% | 64th above |
| Net Interest Margin | 3.65% | 3.93% | -0.28% | 34th below |
| Efficiency Ratio | 73.54% | 61.13% | +12.41% | 22nd bottom |
| PPNR / Avg Assets | 1.24% | 1.68% | -0.44% | 30th below |
| Yield on Earning Assets | 4.21% | 5.67% | -1.46% | 4th bottom |
| Cost of Funds | 0.47% | 1.88% | -1.41% | 98th top |
| Net Interest Spread | 3.36% | 3.32% | +0.04% | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 0.94% | -0.81% | 70th above |
| NPA / Total Assets | 0.06% | 0.70% | -0.64% | 76th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 43rd below |
| ACL / Total Loans | 0.95% | 1.28% | -0.33% | 21st bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 719.12% | 1539.06% | -819.94% | 78th top |
| Texas Ratio | 0.74% | 7.33% | -6.59% | 76th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 256.41% | 1396.24% | -1139.83% | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 27.64% | 19.50% | +8.14% | 91st top |
| Tier 1 Ratio | 27.64% | 19.53% | +8.11% | 91st top |
| Total Capital Ratio | 28.89% | 20.61% | +8.28% | 91st top |
| Leverage Ratio | 8.37% | 12.14% | -3.77% | 5th bottom |
| Equity / Assets | 8.31% | 11.38% | -3.07% | 17th bottom |
| TCE / Tangible Assets | 7.86% | 11.09% | -3.23% | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 52.11% | 80.65% | -28.54% | 90th top |
| Core Deposit Ratio | 96.27% | 86.86% | +9.41% | 90th top |
| Wholesale Funding Ratio | 2.21% | 5.04% | -2.83% | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.60% | 6.85% | -4.25% | 36th below |
| Loan Growth (Y/Y) | 9.49% | 7.90% | +1.59% | 72nd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.00% | 6.29% | -2.29% | 50th above |
See Community Bank and Trust's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community Bank and Trust, 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 and Trust profile, how to read a UBPR, or how this data updates.