Elderton State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Elderton State Bank of Elderton, PA against its peer group of 2672 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 | 1.59% | 1.34% | +0.25% | 68th above |
| ROAE | 13.51% | 13.31% | +0.20% | 57th above |
| Net Interest Margin | 3.93% | 3.93% | +0.00% | 49th below |
| Efficiency Ratio | 44.65% | 61.15% | -16.50% | 90th top |
| PPNR / Avg Assets | 2.20% | 1.68% | +0.52% | 80th top |
| Yield on Earning Assets | 6.19% | 5.67% | +0.52% | 77th top |
| Cost of Funds | 2.49% | 1.88% | +0.61% | 16th bottom |
| Net Interest Spread | 3.37% | 3.32% | +0.05% | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.70% | 0.94% | -0.24% | 37th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.59% | 0.70% | -0.11% | 34th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 37th below |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 60th above |
| ACL / NPLs (Coverage) | 182.56% | 1539.34% | -1356.78% | 45th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.52% | 7.33% | -1.81% | 38th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 654.29% | 1396.00% | -741.71% | 76th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.09% | 12.14% | -0.05% | 66th above |
| Equity / Assets | 11.72% | 11.37% | +0.35% | 68th above |
| TCE / Tangible Assets | 11.72% | 11.09% | +0.63% | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 109.48% | 80.62% | +28.86% | 4th bottom |
| Core Deposit Ratio | 86.14% | 86.86% | -0.72% | 35th below |
| Wholesale Funding Ratio | 10.44% | 5.03% | +5.41% | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.33% | 6.85% | +4.48% | 86th top |
| Loan Growth (Y/Y) | 12.21% | 7.90% | +4.31% | 80th top |
| Deposit Growth (Y/Y) | 7.72% | 6.29% | +1.43% | 75th top |
See Elderton State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Elderton State 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 Elderton State Bank profile, how to read a UBPR, or how this data updates.