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 Zanesville, OH against its peer group of 2757 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% | 1.25% | -0.05% | 45th below |
| ROAE | 11.82% | 12.22% | -0.40% | 46th below |
| Net Interest Margin | 3.94% | 3.95% | -0.01% | 49th below |
| Efficiency Ratio | 67.99% | 63.71% | +4.28% | 32nd below |
| PPNR / Avg Assets | 1.48% | — | — | 42nd below |
| Yield on Earning Assets | 5.49% | 5.67% | -0.18% | 45th below |
| Cost of Funds | 1.70% | 1.87% | -0.17% | 56th above |
| Net Interest Spread | 3.26% | — | — | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.23% | 0.88% | -0.65% | 63rd above |
| NPA / Total Assets | 0.16% | — | — | 64th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.15% | -0.11% | 28th below |
| ACL / Total Loans | 0.99% | — | — | 25th below |
| ACL / NPLs (Coverage) | 426.16% | — | — | 67th above |
| Texas Ratio | 0.92% | 5.96% | -5.04% | 70th above |
| Provision / NCO | -80.00% | — | — | 4th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.09% | 17.18% | -1.09% | 58th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.09% | 17.21% | -1.12% | 58th above |
| Total Capital Ratio | 17.19% | — | — | 57th above |
| Leverage Ratio | 10.58% | 11.75% | -1.17% | 42nd below |
| Equity / Assets | 10.32% | 10.98% | -0.66% | 49th below |
| TCE / Tangible Assets | 10.01% | — | — | 49th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.07% | 80.44% | -0.37% | 51st above |
| Core Deposit Ratio | 93.76% | 86.95% | +6.81% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.85% | — | — | 14th bottom |
| Loan Growth (Y/Y) | 3.60% | — | — | 39th below |
| Deposit Growth (Y/Y) | -2.53% | — | — | 12th bottom |
See The Community Bank's peers by name
The 2757 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. For every peer by name over many quarters, with each ratio broken into its filed parts, open the The Community Bank peer analysis.