The Hamler State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Hamler State Bank of Hamler, OH 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 | 1.47% | 1.34% | +0.13% | 61st above |
| ROAE | 11.12% | 13.31% | -2.19% | 42nd below |
| Net Interest Margin | 2.94% | 3.93% | -0.99% | 9th bottom |
| Efficiency Ratio | 48.45% | 61.14% | -12.69% | 84th top |
| PPNR / Avg Assets | 1.56% | 1.68% | -0.12% | 48th below |
| Yield on Earning Assets | 4.95% | 5.67% | -0.72% | 21st bottom |
| Cost of Funds | 2.34% | 1.88% | +0.46% | 20th bottom |
| Net Interest Spread | 2.30% | 3.32% | -1.02% | 8th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.38% | 0.94% | +0.44% | 20th bottom |
| NPA / Total Assets | 0.96% | 0.70% | +0.26% | 21st bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.13% | 1.28% | -0.15% | 41st below |
| ACL / NPLs (Coverage) | 81.60% | 1538.87% | -1457.27% | 21st bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.71% | 7.33% | -0.62% | 32nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.34% | 12.14% | +2.20% | 83rd top |
| Equity / Assets | 13.51% | 11.37% | +2.14% | 82nd top |
| TCE / Tangible Assets | 13.51% | 11.09% | +2.42% | 83rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.04% | 80.64% | +0.40% | 49th below |
| Core Deposit Ratio | 93.27% | 86.86% | +6.41% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.16% | 6.85% | -0.69% | 63rd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.85% | 7.90% | -2.05% | 53rd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.88% | 6.29% | -0.41% | 63rd above |
See The Hamler State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Hamler 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 The Hamler State Bank profile, how to read a UBPR, or how this data updates.