Dozier Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Dozier Bank of Dozier, AL 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 | 0.99% | 3.33% | -2.34% | 47th below |
| ROAE | 4.14% | 8.29% | -4.15% | 30th below |
| Net Interest Margin | 3.21% | 3.93% | -0.72% | 20th bottom |
| Efficiency Ratio | 58.39% | 84.51% | -26.12% | 73rd above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.27% | 1.56% | -0.29% | 52nd above |
| Yield on Earning Assets | 4.28% | 5.24% | -0.96% | 17th bottom |
| Cost of Funds | 1.09% | 1.67% | -0.58% | 75th top |
| Net Interest Spread | 2.28% | 3.30% | -1.02% | 15th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.84% | 1.42% | +0.42% | 19th bottom |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.67% | 0.71% | -0.04% | 25th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 1.13% | 1.53% | -0.40% | 40th below |
| ACL / NPLs (Coverage) | 61.25% | 723.23% | -661.98% | 25th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 2.68% | 8.57% | -5.89% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 26.77% | 22.08% | +4.69% | 86th top |
| Equity / Assets | 24.71% | 20.72% | +3.99% | 85th top |
| TCE / Tangible Assets | 24.71% | 20.47% | +4.24% | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 49.75% | 74.30% | -24.55% | 72nd above |
| Core Deposit Ratio | 95.82% | 88.29% | +7.53% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.55% | 3.83% | -4.38% | 29th below |
| Loan Growth (Y/Y) | -10.83% | 6.88% | -17.71% | 9th bottom |
| Deposit Growth (Y/Y) | -3.01% | 2.99% | -6.00% | 21st bottom |
See Dozier Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Dozier 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 Dozier Bank profile, how to read a UBPR, or how this data updates.