Cross Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cross Bank of Wynne, AR against its peer group of 2757 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 | 1.85% | 1.25% | +0.60% | 80th top |
| ROAE | 17.29% | 13.17% | +4.12% | 77th top |
| Net Interest Margin | 4.81% | 3.95% | +0.86% | 88th top |
| Efficiency Ratio | 42.20% | 61.50% | -19.30% | 93rd top |
| PPNR / Avg Assets | 2.79% | — | — | 94th top |
| Yield on Earning Assets | 6.85% | 5.67% | +1.18% | 93rd top |
| Cost of Funds | 2.23% | 1.87% | +0.36% | 24th bottom |
| Net Interest Spread | 4.23% | — | — | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.47% | 0.93% | +1.54% | 9th bottom |
| NPA / Total Assets | 2.28% | — | — | 6th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 40th below |
| ACL / Total Loans | 1.83% | — | — | 91st top |
| ACL / NPLs (Coverage) | 74.09% | — | — | 20th bottom |
| Texas Ratio | 15.51% | 6.06% | +9.45% | 9th bottom |
| Provision / NCO | 4352.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.45% | 11.75% | -1.30% | 40th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.55% | 10.98% | -0.43% | 53rd above |
| TCE / Tangible Assets | 10.15% | — | — | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.48% | 80.44% | +19.04% | 12th bottom |
| Core Deposit Ratio | 62.46% | 86.95% | -24.49% | 2nd bottom |
| Wholesale Funding Ratio | 7.81% | — | — | 22nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.47% | — | — | 64th above |
| Loan Growth (Y/Y) | 5.26% | — | — | 49th below |
| Deposit Growth (Y/Y) | -1.39% | — | — | 16th bottom |
See Cross Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cross 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 Cross Bank profile, how to read a UBPR, or how this data updates.