Everence Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Everence Trust Company of Goshen, IN against its peer group of 578 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 | 18.46% | 0.85% | +17.61% | 97th top |
| ROAE | 19.61% | 5.23% | +14.38% | 90th top |
| Net Interest Margin | 6.92% | 3.94% | +2.98% | 99th top |
| Efficiency Ratio | 91.06% | 76.13% | +14.93% | 16th bottom |
| Yield on Earning Assets | 7.01% | 5.42% | +1.59% | 94th top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.60% | 1.69% | -0.09% | 48th below |
| Net Interest Spread | 5.41% | — | — | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPA / Total Assets | 0.00% | — | — | 83rd top |
| Texas Ratio | 0.00% | 7.23% | -7.23% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 175.57% | 25.12% | +150.45% | 91st top |
| Tier 1 Ratio | 175.57% | 25.12% | +150.45% | 91st top |
| Total Capital Ratio | 175.57% | — | — | 91st top |
| Leverage Ratio | 96.81% | 14.13% | +82.68% | 97th top |
| Equity / Assets | 87.71% | 13.07% | +74.64% | 95th top |
| TCE / Tangible Assets | 87.71% | — | — | 95th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 0.00% | 68.58% | -68.58% | 98th top |
| Core Deposit Ratio | 0.00% | 88.79% | -88.79% | 1st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 20.80% | — | — | 95th top |
| Deposit Growth (Y/Y) | 0.00% | — | — | 35th below |
See Everence Trust Company's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Everence Trust Company, 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 Everence Trust Company profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Everence Trust Company peer analysis.