Community Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community Bank, N.A. of Canton, NY against its peer group of 134 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% | 1.35% | -0.15% | 42nd below |
| ROAE | 12.77% | 12.28% | +0.49% | 69th above |
| Net Interest Margin | 3.46% | 3.68% | -0.22% | 40th below |
| Efficiency Ratio | 56.90% | 53.80% | +3.10% | 36th below |
| PPNR / Avg Assets | 1.65% | 1.96% | -0.31% | 40th below |
| Yield on Earning Assets | 4.60% | 5.57% | -0.97% | 9th bottom |
| Cost of Funds | 1.17% | 2.00% | -0.83% | 91st top |
| Net Interest Spread | 3.04% | 2.98% | +0.06% | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.49% | 1.05% | -0.56% | 78th top |
| NPA / Total Assets | 0.36% | 0.76% | -0.40% | 73rd above |
| NCO / Avg Loans | 0.12% | 0.36% | -0.24% | 52nd above |
| ACL / Total Loans | 0.81% | 1.38% | -0.57% | 14th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 166.20% | 210.14% | -43.94% | 61st above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.33% | 10.25% | -2.92% | 46th below |
| Provision / NCO | 153.09% | 107.20% | +45.89% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.72% | 14.76% | -3.04% | 13th bottom |
| Tier 1 Ratio | 11.73% | 14.88% | -3.15% | 12th bottom |
| Total Capital Ratio | 12.54% | 16.10% | -3.56% | 10th bottom |
| Leverage Ratio | 7.86% | 10.28% | -2.42% | 6th bottom |
| Equity / Assets | 9.55% | 11.56% | -2.01% | 21st bottom |
| TCE / Tangible Assets | 5.18% | 9.50% | -4.32% | 0th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.88% | 83.92% | -8.04% | 78th top |
| Core Deposit Ratio | 96.71% | 86.72% | +9.99% | 89th top |
| Uninsured Deposit Ratio | 31.51% | 38.97% | -7.46% | 70th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.38% | 5.65% | -1.27% | 47th below |
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. | 6.35% | 10.10% | -3.75% | 57th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.26% | 10.13% | -2.87% | 58th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.98% | 9.96% | -2.98% | 57th above |
See Community Bank, N.A.'s peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community Bank, N.A., 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, N.A. profile, how to read a UBPR, or how this data updates.