Consumers National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Consumers National Bank of Minerva, OH 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 | 0.96% | 1.46% | -0.50% | 27th below |
| ROAE | 13.64% | 12.72% | +0.92% | 60th above |
| Net Interest Margin | 3.47% | 3.85% | -0.38% | 34th below |
| Efficiency Ratio | 65.87% | 57.40% | +8.47% | 28th below |
| PPNR / Avg Assets | 1.25% | 1.88% | -0.63% | 25th below |
| Yield on Earning Assets | 5.16% | 5.72% | -0.56% | 27th below |
| Cost of Funds | 1.76% | 2.02% | -0.26% | 65th above |
| Net Interest Spread | 2.94% | 3.18% | -0.24% | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.07% | 1.00% | -0.93% | 91st top |
| NPA / Total Assets | 0.05% | 0.76% | -0.71% | 91st top |
| NCO / Avg Loans | -0.03% | 0.43% | -0.46% | 95th top |
| ACL / Total Loans | 0.99% | 1.31% | -0.32% | 28th below |
| ACL / NPLs (Coverage) | 1368.54% | 542.93% | +825.61% | — |
| Texas Ratio | 0.72% | 7.39% | -6.67% | 90th top |
| Provision / NCO | 6187.50% | 615.34% | +5572.16% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.91% | 17.34% | -6.43% | 8th bottom |
| Tier 1 Ratio | 10.91% | 17.37% | -6.46% | 8th bottom |
| Total Capital Ratio | 11.93% | 18.42% | -6.49% | 8th bottom |
| Leverage Ratio | 8.35% | 11.44% | -3.09% | 4th bottom |
| Equity / Assets | 7.03% | 11.34% | -4.31% | 3rd bottom |
| TCE / Tangible Assets | 6.83% | 10.50% | -3.67% | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.72% | 86.95% | -3.23% | 62nd above |
| Core Deposit Ratio | 91.66% | 85.55% | +6.11% | 66th above |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 33.03% | 33.12% | -0.09% | 44th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.44% | 5.70% | -1.26% | 45th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.86% | 9.68% | +0.18% | 76th top |
| Loan Growth (Y/Y) | 15.27% | 8.05% | +7.22% | 86th top |
| Deposit Growth (Y/Y) | 8.10% | 7.87% | +0.23% | 67th above |
See Consumers National Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Consumers 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 Consumers National Bank profile, how to read a UBPR, or how this data updates.