Independent Correspondent Bankers' Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Independent Correspondent Bankers' Bank, Inc. of Frankfort, KY against its peer group of 2603 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 | 0.82% | 1.34% | -0.52% | 24th bottom |
| ROAE | 6.26% | 13.32% | -7.06% | 18th bottom |
| Net Interest Margin | 3.24% | 3.93% | -0.69% | 17th bottom |
| Efficiency Ratio | 80.27% | 61.13% | +19.14% | 13th bottom |
| PPNR / Avg Assets | 0.88% | 1.68% | -0.80% | 17th bottom |
| Yield on Earning Assets | 5.38% | 5.67% | -0.29% | 39th below |
| Cost of Funds | 2.52% | 1.88% | +0.64% | 15th bottom |
| Net Interest Spread | 0.88% | 3.32% | -2.44% | 1st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.99% | 0.94% | +0.05% | 28th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.54% | 0.70% | -0.16% | 36th below |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 82nd top |
| ACL / Total Loans | 1.40% | 1.28% | +0.12% | 72nd above |
| ACL / NPLs (Coverage) | 141.74% | 1546.35% | -1404.61% | 38th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.67% | 7.34% | -3.67% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 22.65% | 19.48% | +3.17% | 84th top |
| Tier 1 Ratio | 22.65% | 19.52% | +3.13% | 84th top |
| Total Capital Ratio | 23.90% | 20.60% | +3.30% | 84th top |
| Leverage Ratio | 13.21% | 12.14% | +1.07% | 76th top |
| Equity / Assets | 13.94% | 11.36% | +2.58% | 84th top |
| TCE / Tangible Assets | 13.94% | 11.08% | +2.86% | 86th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.08% | 80.66% | +19.42% | 11th bottom |
| Core Deposit Ratio | 83.59% | 86.85% | -3.26% | 26th below |
| Wholesale Funding Ratio | 30.97% | 5.03% | +25.94% | 0th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.68% | 6.84% | -0.16% | 67th above |
| Loan Growth (Y/Y) | 1.96% | 7.92% | -5.96% | 31st below |
| Deposit Growth (Y/Y) | 25.93% | 6.29% | +19.64% | 96th top |
See Independent Correspondent Bankers' Bank, Inc.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Independent Correspondent Bankers' Bank, Inc., 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 Independent Correspondent Bankers' Bank, Inc. profile, how to read a UBPR, or how this data updates.