The Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Community Bank of Liberal, KS against its peer group of 2603 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 | 1.18% | 1.34% | -0.16% | 44th below |
| ROAE | 10.77% | 13.32% | -2.55% | 41st below |
| Net Interest Margin | 3.76% | 3.93% | -0.17% | 40th below |
| Efficiency Ratio | 63.53% | 61.13% | +2.40% | 43rd below |
| PPNR / Avg Assets | 1.54% | 1.68% | -0.14% | 47th below |
| Yield on Earning Assets | 5.05% | 5.67% | -0.62% | 25th below |
| Cost of Funds | 1.43% | 1.88% | -0.45% | 73rd above |
| Net Interest Spread | 3.10% | 3.32% | -0.22% | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.94% | -0.90% | 80th top |
| NPA / Total Assets | 0.02% | 0.70% | -0.68% | 82nd top |
| NCO / Avg Loans | -0.12% | 0.16% | -0.28% | 97th top |
| ACL / Total Loans | 1.53% | 1.28% | +0.25% | 80th top |
| ACL / NPLs (Coverage) | 3618.42% | 1545.74% | +2072.68% | — |
| Texas Ratio | 0.18% | 7.34% | -7.16% | 86th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.63% | 19.48% | +1.15% | 79th top |
| Tier 1 Ratio | 20.63% | 19.52% | +1.11% | 79th top |
| Total Capital Ratio | 21.88% | 20.60% | +1.28% | 80th top |
| Leverage Ratio | 12.83% | 12.14% | +0.69% | 73rd above |
| Equity / Assets | 11.44% | 11.36% | +0.08% | 65th above |
| TCE / Tangible Assets | 11.44% | 11.08% | +0.36% | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.15% | 80.67% | -21.52% | 84th top |
| Core Deposit Ratio | 80.27% | 86.85% | -6.58% | 17th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.21% | 6.84% | -2.63% | 49th below |
| Loan Growth (Y/Y) | -3.22% | 7.92% | -11.14% | 11th bottom |
| Deposit Growth (Y/Y) | 3.28% | 6.29% | -3.01% | 44th below |
See The Community Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The 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 The Community Bank profile, how to read a UBPR, or how this data updates.