Cottonwood Valley Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cottonwood Valley Bank of Cottonwood Falls, KS against its peer group of 536 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 | 0.76% | 3.14% | -2.38% | 36th below |
| ROAE | 6.90% | 10.42% | -3.52% | 40th below |
| Net Interest Margin | 3.08% | 3.93% | -0.85% | 16th bottom |
| Efficiency Ratio | 68.14% | 76.31% | -8.17% | 53rd above |
| PPNR / Avg Assets | 0.77% | 1.40% | -0.63% | 29th below |
| Yield on Earning Assets | 3.85% | 5.35% | -1.50% | 9th bottom |
| Cost of Funds | 0.89% | 1.71% | -0.82% | 84th top |
| Net Interest Spread | 2.51% | 3.31% | -0.80% | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | -0.33% | 0.11% | -0.44% | 97th top |
| ACL / Total Loans | 4.57% | 1.48% | +3.09% | 98th top |
| Texas Ratio | 0.00% | 8.26% | -8.26% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 14.39% | 17.61% | -3.22% | 61st above |
| Equity / Assets | 11.73% | 16.43% | -4.70% | 44th below |
| TCE / Tangible Assets | 11.73% | 16.18% | -4.45% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 18.74% | 72.88% | -54.14% | 94th top |
| Core Deposit Ratio | 95.40% | 88.21% | +7.19% | 73rd above |
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. | 3.93% | 4.30% | -0.37% | 57th above |
| Loan Growth (Y/Y) | -13.17% | 6.74% | -19.91% | 5th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 2.19% | 3.77% | -1.58% | 50th above |
See Cottonwood Valley Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cottonwood Valley 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 Cottonwood Valley Bank profile, how to read a UBPR, or how this data updates.