Home Savings and Loan Association of Carroll County, F.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Home Savings and Loan Association of Carroll County, F.A. of Norborne, MO 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 | 1.17% | 1.34% | -0.17% | 43rd below |
| ROAE | 8.11% | 13.31% | -5.20% | 26th below |
| Net Interest Margin | 3.36% | 3.93% | -0.57% | 22nd bottom |
| Efficiency Ratio | 57.57% | 61.14% | -3.57% | 61st above |
| PPNR / Avg Assets | 1.48% | 1.68% | -0.20% | 43rd below |
| Yield on Earning Assets | 5.52% | 5.67% | -0.15% | 46th below |
| Cost of Funds | 2.43% | 1.88% | +0.55% | 17th bottom |
| Net Interest Spread | 3.02% | 3.32% | -0.30% | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.76% | 0.94% | -0.18% | 35th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.51% | 0.70% | -0.19% | 38th below |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 88th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.20% | 1.28% | -0.08% | 50th above |
| ACL / NPLs (Coverage) | 158.22% | 1538.86% | -1380.64% | 41st below |
| Texas Ratio | 3.42% | 7.33% | -3.91% | 51st above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 166.67% | 1395.73% | -1229.06% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 23.98% | 19.50% | +4.48% | 87th top |
| Tier 1 Ratio | 23.98% | 19.53% | +4.45% | 87th top |
| Total Capital Ratio | 25.23% | 20.62% | +4.61% | 87th top |
| Leverage Ratio | 14.53% | 12.14% | +2.39% | 84th top |
| Equity / Assets | 14.69% | 11.37% | +3.32% | 87th top |
| TCE / Tangible Assets | 14.27% | 11.09% | +3.18% | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.91% | 80.64% | -0.73% | 51st above |
| Core Deposit Ratio | 84.05% | 86.86% | -2.81% | 27th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.33% | 6.85% | -3.52% | 42nd below |
| Loan Growth (Y/Y) | 1.29% | 7.90% | -6.61% | 28th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.82% | 6.29% | -1.47% | 56th above |
See Home Savings and Loan Association of Carroll County, F.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Home Savings and Loan Association of Carroll County, F.A., 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 Home Savings and Loan Association of Carroll County, F.A. profile, how to read a UBPR, or how this data updates.