Hershey Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hershey Bank of Hershey, NE 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 | 1.25% | 1.25% | +0.00% | 48th below |
| ROAE | 9.75% | 13.17% | -3.42% | 33rd below |
| Net Interest Margin | 4.07% | 3.95% | +0.12% | 56th above |
| Efficiency Ratio | 59.05% | 61.50% | -2.45% | 56th above |
| PPNR / Avg Assets | 1.75% | — | — | 59th above |
| Yield on Earning Assets | 6.28% | 5.67% | +0.61% | 80th top |
| Cost of Funds | 2.43% | 1.87% | +0.56% | 17th bottom |
| Net Interest Spread | 3.67% | — | — | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.22% | 0.93% | +0.29% | 24th bottom |
| NPA / Total Assets | 1.14% | — | — | 17th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 30th below |
| ACL / Total Loans | 1.37% | — | — | 70th above |
| ACL / NPLs (Coverage) | 112.87% | — | — | 32nd below |
| Texas Ratio | 8.26% | 7.34% | +0.92% | 27th below |
| Provision / NCO | 555.56% | — | — | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.24% | 11.75% | +1.49% | 76th top |
| Equity / Assets | 13.32% | 10.98% | +2.34% | 80th top |
| TCE / Tangible Assets | 12.75% | — | — | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 111.81% | 80.44% | +31.37% | 3rd bottom |
| Core Deposit Ratio | 84.75% | 86.95% | -2.20% | 30th below |
| Wholesale Funding Ratio | 9.14% | — | — | 17th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 18.06% | — | — | 94th top |
| Loan Growth (Y/Y) | 17.32% | — | — | 89th top |
| Deposit Growth (Y/Y) | 17.99% | — | — | 93rd top |
See Hershey Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hershey 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 Hershey Bank profile, how to read a UBPR, or how this data updates.