Flat Branch Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Flat Branch Bank of Richmond, MO 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 | 0.64% | 0.85% | -0.21% | 30th below |
| ROAE | 4.47% | 5.23% | -0.76% | 30th below |
| Net Interest Margin | 4.56% | 3.94% | +0.62% | 77th top |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 72.83% | 76.13% | -3.30% | 43rd below |
| PPNR / Avg Assets | 1.07% | — | — | 41st below |
| Yield on Earning Assets | 6.38% | 5.42% | +0.96% | 87th top |
| Cost of Funds | 2.06% | 1.69% | +0.37% | 25th below |
| Net Interest Spread | 3.89% | — | — | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.23% | -1.23% | 86th top |
| NPA / Total Assets | 0.00% | — | — | 83rd top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.27% | — | — | 53rd above |
| Texas Ratio | 0.00% | 7.23% | -7.23% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.58% | 14.13% | -1.55% | 45th below |
| Equity / Assets | 14.47% | 13.07% | +1.40% | 63rd above |
| TCE / Tangible Assets | 12.58% | — | — | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.50% | 68.58% | +4.92% | 41st below |
| Core Deposit Ratio | 98.34% | 88.79% | +9.55% | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.37% | — | — | 22nd bottom |
| Loan Growth (Y/Y) | 56.25% | — | — | 98th top |
| Deposit Growth (Y/Y) | -5.68% | — | — | 10th bottom |
See Flat Branch Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Flat Branch 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 Flat Branch 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 Flat Branch Bank peer analysis.