The Hocking Valley Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Hocking Valley Bank of Athens, 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 | 1.43% | 1.35% | +0.08% | 59th above |
| ROAE | 13.58% | 12.05% | +1.53% | 57th above |
| Net Interest Margin | 3.86% | 3.90% | -0.04% | 46th below |
| Efficiency Ratio | 55.17% | 63.15% | -7.98% | 68th above |
| PPNR / Avg Assets | 1.82% | 1.64% | +0.18% | 64th above |
| Yield on Earning Assets | 4.87% | 5.65% | -0.78% | 19th bottom |
| Cost of Funds | 1.10% | 1.85% | -0.75% | 88th top |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.32% | 3.35% | -0.03% | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.44% | 0.92% | -0.48% | 48th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.34% | 0.67% | -0.33% | 48th below |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 87th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.23% | 1.28% | -0.05% | 54th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 278.13% | 1645.72% | -1367.59% | 58th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.86% | 7.15% | -3.29% | 47th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 800.00% | 1189.44% | -389.44% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.44% | 12.46% | -1.02% | 57th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.87% | 11.67% | -0.80% | 58th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.87% | 11.40% | -0.53% | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.46% | 78.65% | -12.19% | 75th top |
| Core Deposit Ratio | 86.78% | 87.09% | -0.31% | 38th below |
| Wholesale Funding Ratio | 0.31% | 5.12% | -4.81% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.38% | 6.48% | -4.10% | 35th below |
| Loan Growth (Y/Y) | 2.48% | 7.64% | -5.16% | 34th below |
| Deposit Growth (Y/Y) | 1.49% | 6.02% | -4.53% | 32nd below |
See The Hocking Valley Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Hocking Valley 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 Hocking Valley Bank profile, how to read a UBPR, or how this data updates.