Flagship Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Flagship Bank of Clearwater, FL 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 | 1.02% | 1.25% | -0.23% | 34th below |
| ROAE | 8.10% | 12.22% | -4.12% | 25th below |
| Net Interest Margin | 3.51% | 3.95% | -0.44% | 27th below |
| Efficiency Ratio | 56.56% | 63.71% | -7.15% | 64th above |
| PPNR / Avg Assets | 1.55% | — | — | 47th below |
| Yield on Earning Assets | 5.47% | 5.67% | -0.20% | 43rd below |
| Cost of Funds | 2.19% | 1.87% | +0.32% | 26th below |
| Net Interest Spread | 2.49% | — | — | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 0.88% | -0.86% | 85th top |
| NPA / Total Assets | 0.01% | — | — | 85th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 30th below |
| ACL / Total Loans | 0.98% | — | — | 24th bottom |
| ACL / NPLs (Coverage) | 6192.00% | — | — | — |
| Texas Ratio | 0.11% | 5.96% | -5.85% | 85th top |
| Provision / NCO | 911.11% | — | — | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.69% | 11.75% | -0.06% | 61st above |
| Equity / Assets | 12.19% | 10.98% | +1.21% | 72nd above |
| TCE / Tangible Assets | 11.15% | — | — | 65th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.99% | 80.44% | +13.55% | 21st bottom |
| Core Deposit Ratio | 86.08% | 86.95% | -0.87% | 35th below |
| Wholesale Funding Ratio | 3.74% | — | — | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 15.54% | — | — | 92nd top |
| Loan Growth (Y/Y) | 12.39% | — | — | 80th top |
| Deposit Growth (Y/Y) | 11.51% | — | — | 86th top |
See Flagship Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Flagship 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 Flagship Bank 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 Flagship Bank peer analysis.