Grove Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Grove Bank & Trust of Miami, FL against its peer group of 931 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 | 0.66% | 1.46% | -0.80% | 13th bottom |
| ROAE | 6.77% | 12.72% | -5.95% | 15th bottom |
| Net Interest Margin | 2.63% | 3.85% | -1.22% | 6th bottom |
| Efficiency Ratio | 72.93% | 57.40% | +15.53% | 16th bottom |
| PPNR / Avg Assets | 0.93% | 1.88% | -0.95% | 13th bottom |
| Yield on Earning Assets | 4.72% | 5.72% | -1.00% | 11th bottom |
| Cost of Funds | 2.27% | 2.02% | +0.25% | 32nd below |
| Net Interest Spread | 1.82% | 3.18% | -1.36% | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 1.00% | -0.99% | 96th top |
| NPA / Total Assets | 0.01% | 0.76% | -0.75% | 96th top |
| NCO / Avg Loans | -0.00% | 0.43% | -0.43% | 89th top |
| ACL / Total Loans | 1.38% | 1.31% | +0.07% | 79th top |
| ACL / NPLs (Coverage) | 13318.89% | 536.19% | +12782.70% | — |
| Texas Ratio | 0.06% | 7.39% | -7.33% | 96th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 530.67% | 618.66% | -87.99% | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.22% | 17.34% | -2.12% | 72nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.22% | 17.37% | -2.15% | 72nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.47% | 18.42% | -1.95% | 73rd above |
| Leverage Ratio | 9.96% | 11.44% | -1.48% | 36th below |
| Equity / Assets | 9.80% | 11.34% | -1.54% | 38th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.80% | 10.50% | -0.70% | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.77% | 86.96% | -15.19% | 84th top |
| Core Deposit Ratio | 97.28% | 85.55% | +11.73% | 94th top |
| Uninsured Deposit Ratio | 45.52% | 33.12% | +12.40% | 15th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.33% | 5.70% | -1.37% | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.45% | 9.69% | -10.14% | 14th bottom |
| Loan Growth (Y/Y) | 11.23% | 8.05% | +3.18% | 77th top |
| Deposit Growth (Y/Y) | -0.59% | 7.87% | -8.46% | 16th bottom |
See Grove Bank & Trust's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Grove Bank & Trust, 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 Grove Bank & Trust profile, how to read a UBPR, or how this data updates.