The Hopeton State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Hopeton State Bank of Hopeton, OK against its peer group of 536 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 | -0.68% | 3.33% | -4.01% | 9th bottom |
| ROAE | -3.58% | 8.31% | -11.89% | 10th bottom |
| Net Interest Margin | 4.78% | 3.92% | +0.86% | 82nd top |
| Efficiency Ratio | 115.63% | 84.42% | +31.21% | 9th bottom |
| PPNR / Avg Assets | -0.88% | 1.56% | -2.44% | 6th bottom |
| Yield on Earning Assets | 6.38% | 5.24% | +1.14% | 87th top |
| Cost of Funds | 1.71% | 1.67% | +0.04% | 42nd below |
| Net Interest Spread | 4.07% | 3.30% | +0.77% | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.42% | -1.42% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 0.52% | 1.53% | -1.01% | 3rd bottom |
| Texas Ratio | 0.00% | 8.57% | -8.57% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.32% | 22.10% | -10.78% | 32nd below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 19.07% | 20.73% | -1.66% | 78th top |
| TCE / Tangible Assets | 11.15% | 20.49% | -9.34% | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.68% | 74.25% | +7.43% | 29th below |
| Core Deposit Ratio | 84.31% | 88.31% | -4.00% | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.06% | 3.83% | -2.77% | 40th below |
| Loan Growth (Y/Y) | 54.26% | 6.76% | +47.50% | 98th top |
| Deposit Growth (Y/Y) | 1.21% | 2.98% | -1.77% | 45th below |
See The Hopeton State Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Hopeton 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 Hopeton State Bank profile, how to read a UBPR, or how this data updates.