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 Midland, TX 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 | 2.17% | 1.46% | +0.71% | 91st top |
| ROAE | 17.08% | 12.71% | +4.37% | 81st top |
| Net Interest Margin | 5.09% | 3.85% | +1.24% | 95th top |
| Efficiency Ratio | 46.65% | 57.42% | -10.77% | 83rd top |
| PPNR / Avg Assets | 2.82% | 1.88% | +0.94% | 93rd top |
| Yield on Earning Assets | 6.00% | 5.72% | +0.28% | 76th top |
| Cost of Funds | 1.01% | 2.02% | -1.01% | 94th top |
| Net Interest Spread | 4.05% | 3.18% | +0.87% | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.71% | 1.00% | +0.71% | 14th bottom |
| NPA / Total Assets | 1.20% | 0.76% | +0.44% | 19th bottom |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 67th above |
| ACL / Total Loans | 1.66% | 1.31% | +0.35% | 91st top |
| ACL / NPLs (Coverage) | 96.71% | 543.80% | -447.09% | 28th below |
| Texas Ratio | 9.05% | 7.39% | +1.66% | 27th below |
| Provision / NCO | 1134.78% | 618.00% | +516.78% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.14% | 17.34% | -0.20% | 83rd top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.14% | 17.37% | -0.23% | 83rd top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.39% | 18.42% | -0.03% | 84th top |
| Leverage Ratio | 12.68% | 11.43% | +1.25% | 82nd top |
| Equity / Assets | 12.92% | 11.33% | +1.59% | 84th top |
| TCE / Tangible Assets | 12.39% | 10.50% | +1.89% | 86th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.74% | 86.97% | -14.23% | 82nd top |
| Core Deposit Ratio | 94.45% | 85.55% | +8.90% | 81st top |
| Uninsured Deposit Ratio | 48.60% | 33.11% | +15.49% | 10th bottom |
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. | 5.88% | 9.68% | -3.80% | 55th above |
| Loan Growth (Y/Y) | -1.12% | 8.06% | -9.18% | 13th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.88% | 7.87% | -2.99% | 50th 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.