Community National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community National Bank of Derby, VT against its peer group of 931 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 | 1.61% | 1.46% | +0.15% | 72nd above |
| ROAE | 15.29% | 12.71% | +2.58% | 74th above |
| Net Interest Margin | 3.94% | 3.85% | +0.09% | 65th above |
| Efficiency Ratio | 51.04% | 57.41% | -6.37% | 73rd above |
| PPNR / Avg Assets | 2.15% | 1.88% | +0.27% | 75th top |
| Yield on Earning Assets | 5.48% | 5.72% | -0.24% | 47th below |
| Cost of Funds | 1.68% | 2.02% | -0.34% | 71st above |
| Net Interest Spread | 3.36% | 3.18% | +0.18% | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.85% | 1.00% | -0.15% | 38th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.71% | 0.76% | -0.05% | 37th below |
| NCO / Avg Loans | -0.02% | 0.43% | -0.45% | 94th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.31% | -0.09% | 62nd above |
| ACL / NPLs (Coverage) | 143.18% | 543.54% | -400.36% | 43rd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.38% | 7.39% | -1.01% | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.79% | 17.34% | -2.55% | 68th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.79% | 17.37% | -2.58% | 68th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.05% | 18.42% | -2.37% | 69th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.63% | 11.44% | -0.81% | 53rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.31% | 11.33% | -0.02% | 65th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.42% | 10.50% | -0.08% | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.87% | 86.95% | +11.92% | 20th bottom |
| Core Deposit Ratio | 92.07% | 85.55% | +6.52% | 69th above |
| Uninsured Deposit Ratio | 23.37% | 33.13% | -9.76% | 76th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.17% | 5.70% | -1.53% | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.53% | 9.69% | -9.16% | 19th bottom |
| Loan Growth (Y/Y) | 3.07% | 8.06% | -4.99% | 35th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.23% | 7.87% | -2.64% | 53rd above |
See Community National Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community National 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 National Bank profile, how to read a UBPR, or how this data updates.