Harpeth Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Harpeth Bank & Trust of Franklin, TN 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 | -4.90% | 1.25% | -6.15% | 0th bottom |
| ROAE | -43.73% | 13.17% | -56.90% | 0th bottom |
| Net Interest Margin | 2.43% | 3.95% | -1.52% | 2nd bottom |
| Efficiency Ratio | 223.58% | 61.50% | +162.08% | 0th bottom |
| PPNR / Avg Assets | -3.06% | — | — | 0th bottom |
| Yield on Earning Assets | 5.29% | 5.67% | -0.38% | 35th below |
| Cost of Funds | 3.23% | 1.87% | +1.36% | 3rd bottom |
| Net Interest Spread | 1.84% | — | — | 3rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.18% | 0.93% | +0.25% | 24th bottom |
| NPA / Total Assets | 0.75% | — | — | 28th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.76% | — | — | 89th top |
| ACL / NPLs (Coverage) | 148.54% | — | — | 40th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.40% | 6.06% | -0.66% | 33rd below |
| Provision / NCO | 100600.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.91% | 17.18% | +2.73% | 77th top |
| Tier 1 Ratio | 19.91% | 17.21% | +2.70% | 77th top |
| Total Capital Ratio | 21.17% | — | — | 77th top |
| Leverage Ratio | 15.18% | 11.75% | +3.43% | 87th top |
| Equity / Assets | 12.71% | 10.98% | +1.73% | 76th top |
| TCE / Tangible Assets | 12.71% | — | — | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.16% | 80.44% | -7.28% | 66th above |
| Core Deposit Ratio | 55.72% | 86.95% | -31.23% | 1st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.99% | — | — | 54th above |
| Loan Growth (Y/Y) | 9.79% | — | — | 72nd above |
| Deposit Growth (Y/Y) | -1.58% | — | — | 15th bottom |
See Harpeth Bank & Trust's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Harpeth 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 Harpeth Bank & Trust 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 Harpeth Bank & Trust peer analysis.