Countryside Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Countryside Bank of Unadilla, NE against its peer group of 2603 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 | 1.24% | 1.34% | -0.10% | 48th below |
| ROAE | 8.28% | 13.32% | -5.04% | 27th below |
| Net Interest Margin | 3.45% | 3.93% | -0.48% | 25th below |
| Efficiency Ratio | 60.11% | 61.13% | -1.02% | 54th above |
| PPNR / Avg Assets | 1.48% | 1.68% | -0.20% | 43rd below |
| Yield on Earning Assets | 4.96% | 5.67% | -0.71% | 22nd bottom |
| Cost of Funds | 1.73% | 1.88% | -0.15% | 55th above |
| Net Interest Spread | 2.75% | 3.32% | -0.57% | 22nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.35% | 0.94% | -0.59% | 54th above |
| NPA / Total Assets | 0.20% | 0.70% | -0.50% | 60th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 39th below |
| ACL / Total Loans | 0.99% | 1.28% | -0.29% | 24th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 282.70% | 1546.28% | -1263.58% | 58th above |
| Texas Ratio | 1.29% | 7.34% | -6.05% | 69th above |
| Provision / NCO | -414.29% | 1395.18% | -1809.47% | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.20% | 12.14% | +3.06% | 87th top |
| Equity / Assets | 15.23% | 11.36% | +3.87% | 89th top |
| TCE / Tangible Assets | 15.13% | 11.08% | +4.05% | 90th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.21% | 80.66% | -10.45% | 70th above |
| Core Deposit Ratio | 95.16% | 86.85% | +8.31% | 85th top |
| Wholesale Funding Ratio | 2.37% | 5.04% | -2.67% | 63rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.25% | 6.84% | -4.59% | 34th below |
| Loan Growth (Y/Y) | 0.72% | 7.92% | -7.20% | 25th below |
| Deposit Growth (Y/Y) | 1.65% | 6.29% | -4.64% | 33rd below |
See Countryside Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Countryside 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 Countryside Bank profile, how to read a UBPR, or how this data updates.