The Eastern Colorado Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Eastern Colorado Bank of Cheyenne Wells, CO 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 | 1.04% | 1.35% | -0.31% | 35th below |
| ROAE | 9.57% | 13.33% | -3.76% | 34th below |
| Net Interest Margin | 3.73% | 3.93% | -0.20% | 38th below |
| Efficiency Ratio | 69.08% | 61.13% | +7.95% | 30th below |
| PPNR / Avg Assets | 1.09% | 1.68% | -0.59% | 24th bottom |
| Yield on Earning Assets | 5.55% | 5.67% | -0.12% | 48th below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.86% | 1.88% | -0.02% | 46th below |
| Net Interest Spread | 3.02% | 3.32% | -0.30% | 33rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 48th below |
| ACL / Total Loans | 1.44% | 1.28% | +0.16% | 74th above |
| Texas Ratio | 0.00% | 7.34% | -7.34% | 95th top |
| Provision / NCO | 2571.43% | 1393.62% | +1177.81% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.22% | 19.49% | -5.27% | 41st below |
| Tier 1 Ratio | 14.22% | 19.52% | -5.30% | 41st below |
| Total Capital Ratio | 15.36% | 20.61% | -5.25% | 41st below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.31% | 12.14% | -0.83% | 55th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.33% | 11.36% | -0.03% | 64th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.57% | 11.08% | -0.51% | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.45% | 80.67% | -5.22% | 61st above |
| Core Deposit Ratio | 83.06% | 86.85% | -3.79% | 24th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.02% | 5.04% | -1.02% | 46th below |
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. | 5.62% | 6.84% | -1.22% | 60th above |
| Loan Growth (Y/Y) | -5.89% | 7.93% | -13.82% | 6th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.12% | 6.29% | -1.17% | 58th above |
See The Eastern Colorado Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Eastern Colorado 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 The Eastern Colorado Bank profile, how to read a UBPR, or how this data updates.