Israel Discount Bank of New York: Peer Analysis
The 15 banks nearest in size. Q2 2026 is Israel Discount Bank of New York's newest filed quarter.
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Size
Total assets This bank$14.39B Peer median$15.03B Percentile26.7% Rank12 of 16 Percentile 27 by size among peers How it is built
Total assets at quarter end. Size only. Peers are chosen near this figure.
Filing lines: Call Report Schedule RC, item 12 (RCON/RCFD 2170). Workbook note 1.
The bank less the peer median: -$638.8M.
Quarter by quarter
| Quarter | This bank | Peer median | Peer 25th | Peer 75th | Percentile | Peers |
|---|---|---|---|---|---|---|
| Q2 2026 | $14.39B | $15.03B | $14.28B | $15.31B | 26.7% | 15 |
| Q1 2026 | $13.99B | $14.20B | $12.98B | $15.06B | 46.7% | 15 |
| Q4 2025 | $14.43B | $13.94B | $12.56B | $15.06B | 60.0% | 15 |
| Q3 2025 | $14.42B | $14.01B | $12.44B | $14.56B | 60.0% | 15 |
| Q2 2025 | $13.64B | $13.74B | $11.91B | $14.19B | 46.7% | 15 |
| Q1 2025 | $13.58B | $13.24B | $11.29B | $14.17B | 60.0% | 15 |
| Q4 2024 | $13.86B | $12.86B | $11.05B | $14.14B | 60.0% | 15 |
| Q3 2024 | $13.22B | $12.53B | $10.42B | $13.77B | 60.0% | 15 |
Earnings
Return on average assets (%) This bank0.76% Peer median1.04% Percentile6.7% Rank15 of 16 Bottom quarter of peers How it is built
Net income, annualized, divided by average total assets. How much profit each dollar of assets earns in a year.
Filing lines: UBPR E013; net income Schedule RI item 14 (RIAD4340); average assets Schedule RC-K item 9 (RCON3368). Workbook note 2.
Better than 6.7% of peers. The bank less the peer median: -0.28 pts.
The parts, Q2 2026
| Filed amount | This bank | Peer median |
|---|---|---|
| Net income, quarterCall Report Schedule RI, item 14 (RIAD4340) | $26.9M | $40.3M |
| Total assets, quarter endSchedule RC, item 12 (RCON/RCFD 2170) | $14.39B | $15.03B |
The ratio uses average assets for the period, so dividing the two amounts shown (times four) gives a close but not identical figure.
Quarter by quarter
| Quarter | This bank | Peer median | Peer 25th | Peer 75th | Percentile | Peers |
|---|---|---|---|---|---|---|
| Q2 2026 | 0.76% | 1.04% | 0.95% | 1.54% | 6.7% | 15 |
| Q1 2026 | 0.73% | 1.11% | 0.95% | 1.49% | 13.3% | 15 |
| Q4 2025 | 0.35% | 1.00% | 0.66% | 1.38% | 0.0% | 15 |
| Q3 2025 | 0.70% | 1.19% | 0.76% | 1.54% | 26.7% | 15 |
| Q2 2025 | 0.49% | 1.27% | 0.64% | 1.51% | 6.7% | 15 |
| Q1 2025 | 0.63% | 1.22% | 0.64% | 1.49% | 26.7% | 15 |
| Q4 2024 | 0.88% | 0.68% | 0.39% | 1.24% | 60.0% | 15 |
| Q3 2024 | 0.68% | 0.80% | 0.58% | 1.44% | 40.0% | 15 |
Return on average equity (%) This bank7.39% Peer median10.27% Percentile20.0% Rank13 of 16 Bottom quarter of peers How it is built
Net income, annualized, divided by average total equity capital. Profit earned on the owners' capital.
Filing lines: UBPR E630; net income Schedule RI item 14 (RIAD4340); equity Schedule RC item 27.a (RCON/RCFD 3210). Workbook note 3.
Better than 20.0% of peers. The bank less the peer median: -2.88 pts.
The parts, Q2 2026
| Filed amount | This bank | Peer median |
|---|---|---|
| Net income, quarterCall Report Schedule RI, item 14 (RIAD4340) | $26.9M | $40.3M |
| Total equity capitalSchedule RC, item 27.a (RCON/RCFD 3210) | $1.47B | $1.77B |
The ratio uses average equity for the period.
Quarter by quarter
| Quarter | This bank | Peer median | Peer 25th | Peer 75th | Percentile | Peers |
|---|---|---|---|---|---|---|
| Q2 2026 | 7.39% | 10.27% | 9.13% | 12.73% | 20.0% | 15 |
| Q1 2026 | 7.28% | 9.77% | 8.51% | 14.15% | 20.0% | 15 |
| Q4 2025 | 3.61% | 9.25% | 5.70% | 14.83% | 0.0% | 15 |
| Q3 2025 | 7.03% | 10.95% | 7.22% | 13.73% | 26.7% | 15 |
| Q2 2025 | 4.99% | 10.18% | 5.92% | 13.42% | 20.0% | 15 |
| Q1 2025 | 6.58% | 10.02% | 6.10% | 14.49% | 33.3% | 15 |
| Q4 2024 | 9.16% | 6.18% | 4.38% | 9.77% | 73.3% | 15 |
| Q3 2024 | 6.73% | 7.53% | 5.62% | 11.28% | 46.7% | 15 |
Net interest margin (%) This bank2.94% Peer median3.36% Percentile26.7% Rank12 of 16 Behind most peers How it is built
Net interest income on a tax-equivalent basis, annualized, divided by average earning assets. The spread the bank earns on its loans and securities after paying for funding.
Filing lines: UBPR E018; net interest income Schedule RI item 3 (RIAD4074). Workbook note 4.
Better than 26.7% of peers. The bank less the peer median: -0.42 pts.
The parts, Q2 2026
| Filed amount | This bank | Peer median |
|---|---|---|
| Net interest income, quarterSchedule RI, item 3 (RIAD4074) | $98.3M | $113.1M |
| Total assets, quarter endSchedule RC, item 12 (RCON/RCFD 2170) | $14.39B | $15.03B |
The ratio divides by average earning assets, not total assets, and adds back the tax benefit of tax-exempt income.
Quarter by quarter
| Quarter | This bank | Peer median | Peer 25th | Peer 75th | Percentile | Peers |
|---|---|---|---|---|---|---|
| Q2 2026 | 2.94% | 3.36% | 2.79% | 3.75% | 26.7% | 15 |
| Q1 2026 | 2.82% | 3.28% | 2.71% | 3.71% | 33.3% | 15 |
| Q4 2025 | 2.93% | 3.26% | 2.65% | 3.69% | 33.3% | 15 |
| Q3 2025 | 2.81% | 3.15% | 2.62% | 3.62% | 30.0% | 15 |
| Q2 2025 | 2.72% | 3.09% | 2.44% | 3.52% | 33.3% | 15 |
| Q1 2025 | 2.74% | 3.02% | 2.41% | 3.42% | 40.0% | 15 |
| Q4 2024 | 2.69% | 2.93% | 2.49% | 3.39% | 26.7% | 15 |
| Q3 2024 | 2.74% | 2.74% | 2.52% | 3.39% | 50.0% | 15 |
Efficiency ratio (%) lower is better This bank66.11% Peer median51.19% Percentile86.7% Rank14 of 16 Bottom quarter of peers How it is built
Noninterest expense divided by tax-equivalent net interest income plus noninterest income. Cents of operating cost per dollar of revenue. Lower is better.
Filing lines: UBPR E088; Schedule RI items 3 (RIAD4074), 5.m (RIAD4079) and 7.e (RIAD4093). Workbook note 5.
Better than 13.3% of peers. The bank less the peer median: +14.92 pts.
The parts, Q2 2026
| Filed amount | This bank | Peer median |
|---|---|---|
| Noninterest expense, quarterSchedule RI, item 7.e (RIAD4093) | $79.8M | $66.8M |
| Net interest income, quarterSchedule RI, item 3 (RIAD4074) | $98.3M | $113.1M |
| Noninterest income, quarterSchedule RI, item 5.m (RIAD4079) | $20.8M | $20.7M |
Net interest income here is as filed; the ratio uses the tax-equivalent figure, so the parts divide to a slightly higher number.
Quarter by quarter
| Quarter | This bank | Peer median | Peer 25th | Peer 75th | Percentile | Peers |
|---|---|---|---|---|---|---|
| Q2 2026 | 66.11% | 51.19% | 42.98% | 55.62% | 86.7% | 15 |
| Q1 2026 | 67.10% | 49.73% | 44.79% | 59.35% | 86.7% | 15 |
| Q4 2025 | 75.30% | 47.83% | 47.21% | 57.76% | 93.3% | 15 |
| Q3 2025 | 67.74% | 51.39% | 43.31% | 61.42% | 93.3% | 15 |
| Q2 2025 | 70.83% | 52.44% | 45.82% | 63.33% | 80.0% | 15 |
| Q1 2025 | 69.14% | 52.55% | 46.90% | 60.95% | 93.3% | 15 |
| Q4 2024 | 69.32% | 57.32% | 47.43% | 62.79% | 86.7% | 15 |
| Q3 2024 | 69.83% | 56.92% | 50.80% | 62.23% | 86.7% | 15 |
Capital
Common equity tier 1 ratio (%) This bank14.38% Peer median13.65% Percentile60.0% Rank7 of 16 Better than most peers How it is built
Common equity tier 1 capital divided by risk-weighted assets. The highest-quality capital against risk-weighted assets. 6.5% is well capitalized.
Filing lines: Schedule RC-R, Part I (RCOA/RCFA P793). Workbook note 6.
Better than 60.0% of peers. The bank less the peer median: +0.73 pts.
Quarter by quarter
| Quarter | This bank | Peer median | Peer 25th | Peer 75th | Percentile | Peers |
|---|---|---|---|---|---|---|
| Q2 2026 | 14.38% | 13.65% | 11.82% | 14.84% | 60.0% | 15 |
| Q1 2026 | 14.15% | 14.24% | 12.02% | 15.03% | 46.7% | 15 |
| Q4 2025 | 13.84% | 13.79% | 12.10% | 14.66% | 53.3% | 15 |
| Q3 2025 | 13.36% | 14.48% | 12.30% | 15.50% | 33.3% | 15 |
| Q2 2025 | 13.87% | 14.15% | 12.21% | 15.71% | 46.7% | 15 |
| Q1 2025 | 13.63% | 14.00% | 12.83% | 16.10% | 40.0% | 15 |
| Q4 2024 | 13.87% | 13.94% | 12.69% | 15.80% | 46.7% | 15 |
| Q3 2024 | 13.97% | 13.75% | 12.68% | 16.01% | 53.3% | 15 |
Tier 1 capital ratio (%) This bank14.38% Peer median14.24% Percentile60.0% Rank7 of 16 Better than most peers How it is built
Tier 1 capital divided by risk-weighted assets. Going-concern capital against risk-weighted assets. 8% is well capitalized.
Filing lines: Schedule RC-R, Part I (RCOA/RCFA 7206). Workbook note 7.
Better than 60.0% of peers. The bank less the peer median: +0.15 pts.
The parts, Q2 2026
| Filed amount | This bank | Peer median |
|---|---|---|
| Tier 1 capitalSchedule RC-R, Part I (RCOA/RCFA 8274) | $1.56B | $1.51B |
| Risk-weighted assets, standardizedSchedule RC-R, Part II (RCOA/RCFA A223) | $10.82B | $11.76B |
A bank on the advanced approaches reports the lower of its standardized and advanced ratios, so these two amounts can divide to a different figure.
Quarter by quarter
| Quarter | This bank | Peer median | Peer 25th | Peer 75th | Percentile | Peers |
|---|---|---|---|---|---|---|
| Q2 2026 | 14.38% | 14.24% | 11.82% | 14.84% | 60.0% | 15 |
| Q1 2026 | 14.15% | 14.24% | 12.02% | 15.03% | 46.7% | 15 |
| Q4 2025 | 13.84% | 14.08% | 12.10% | 14.66% | 46.7% | 15 |
| Q3 2025 | 13.36% | 14.48% | 12.30% | 15.50% | 33.3% | 15 |
| Q2 2025 | 13.87% | 14.15% | 12.21% | 15.71% | 46.7% | 15 |
| Q1 2025 | 13.63% | 14.00% | 12.83% | 16.10% | 40.0% | 15 |
| Q4 2024 | 13.87% | 13.94% | 12.69% | 15.80% | 46.7% | 15 |
| Q3 2024 | 13.97% | 13.75% | 12.68% | 16.01% | 53.3% | 15 |
Total capital ratio (%) This bank15.27% Peer median15.14% Percentile53.3% Rank8 of 16 Better than most peers How it is built
Total capital divided by risk-weighted assets. All regulatory capital against risk-weighted assets. 10% is well capitalized.
Filing lines: Schedule RC-R, Part I (RCOA/RCFA 7205). Workbook note 8.
Better than 53.3% of peers. The bank less the peer median: +0.13 pts.
Quarter by quarter
| Quarter | This bank | Peer median | Peer 25th | Peer 75th | Percentile | Peers |
|---|---|---|---|---|---|---|
| Q2 2026 | 15.27% | 15.14% | 12.81% | 16.80% | 53.3% | 15 |
| Q1 2026 | 15.03% | 15.28% | 12.97% | 16.78% | 40.0% | 15 |
| Q4 2025 | 14.74% | 14.93% | 12.96% | 16.73% | 40.0% | 15 |
| Q3 2025 | 14.19% | 15.40% | 13.18% | 17.52% | 33.3% | 15 |
| Q2 2025 | 14.72% | 15.06% | 13.14% | 17.86% | 46.7% | 15 |
| Q1 2025 | 14.42% | 14.88% | 13.83% | 18.03% | 40.0% | 15 |
| Q4 2024 | 14.64% | 14.81% | 13.67% | 16.67% | 46.7% | 15 |
| Q3 2024 | 14.86% | 14.43% | 13.75% | 16.96% | 53.3% | 15 |
Tier 1 leverage ratio (%) This bank11.01% Peer median10.67% Percentile60.0% Rank7 of 16 Better than most peers How it is built
Tier 1 capital divided by average total assets for the leverage ratio. Capital against all assets, with no risk weighting. 5% is well capitalized.
Filing lines: Schedule RC-R, Part I (RCOA/RCFA 7204). Workbook note 9.
Better than 60.0% of peers. The bank less the peer median: +0.34 pts.
The parts, Q2 2026
| Filed amount | This bank | Peer median |
|---|---|---|
| Tier 1 capitalSchedule RC-R, Part I (RCOA/RCFA 8274) | $1.56B | $1.51B |
| Total assets, quarter endSchedule RC, item 12 (RCON/RCFD 2170) | $14.39B | $15.03B |
The ratio divides by average assets for the quarter less deductions, not quarter-end total assets.
Quarter by quarter
| Quarter | This bank | Peer median | Peer 25th | Peer 75th | Percentile | Peers |
|---|---|---|---|---|---|---|
| Q2 2026 | 11.01% | 10.67% | 9.36% | 11.70% | 60.0% | 15 |
| Q1 2026 | 10.72% | 11.36% | 9.56% | 12.43% | 40.0% | 15 |
| Q4 2025 | 10.40% | 10.59% | 9.38% | 11.86% | 46.7% | 15 |
| Q3 2025 | 10.67% | 10.63% | 9.68% | 11.87% | 53.3% | 15 |
| Q2 2025 | 10.51% | 10.96% | 9.86% | 11.99% | 40.0% | 15 |
| Q1 2025 | 10.49% | 10.95% | 9.66% | 11.64% | 40.0% | 15 |
| Q4 2024 | 10.55% | 10.75% | 9.53% | 11.60% | 40.0% | 15 |
| Q3 2024 | 11.07% | 10.58% | 9.57% | 11.46% | 60.0% | 15 |
Asset quality
Nonperforming loans / loans (%) lower is better This bank1.18% Peer median0.66% Percentile73.3% Rank12 of 16 Behind most peers How it is built
Nonaccrual loans plus loans modified for borrowers in financial difficulty, divided by total loans and leases. Loans 90 days past due and still accruing are left out. The share of the loan book that has stopped paying. Lower is better.
Filing lines: Schedule RC-N, column C and Memoranda item 1; loans Schedule RC-C Part I item 12 (RCON/RCFD 2122). Workbook note 10.
Better than 26.7% of peers. The bank less the peer median: +0.53 pts.
The parts, Q2 2026
| Filed amount | This bank | Peer median |
|---|---|---|
| Nonperforming loansSchedule RC-N, column C and Memoranda item 1 | $118.1M | $68.6M |
| Loans and leasesSchedule RC-C, Part I, item 12 (RCON/RCFD 2122) | $9.97B | $10.71B |
Quarter by quarter
| Quarter | This bank | Peer median | Peer 25th | Peer 75th | Percentile | Peers |
|---|---|---|---|---|---|---|
| Q2 2026 | 1.18% | 0.66% | 0.44% | 1.18% | 73.3% | 15 |
| Q1 2026 | 1.48% | 0.65% | 0.37% | 0.92% | 86.7% | 15 |
| Q4 2025 | 1.14% | 0.55% | 0.38% | 0.90% | 80.0% | 15 |
| Q3 2025 | 0.91% | 0.67% | 0.38% | 0.90% | 73.3% | 15 |
| Q2 2025 | 0.99% | 0.49% | 0.38% | 0.83% | 80.0% | 15 |
| Q1 2025 | 0.97% | 0.61% | 0.39% | 0.93% | 73.3% | 15 |
| Q4 2024 | 0.51% | 0.69% | 0.41% | 0.93% | 33.3% | 15 |
| Q3 2024 | 0.52% | 0.68% | 0.41% | 0.92% | 33.3% | 15 |
Net charge-offs / average loans (%) lower is better This bank0.07% Peer median0.08% Percentile46.7% Rank8 of 16 Better than most peers How it is built
Year-to-date net charge-offs, annualized, divided by average loans and leases. Loans written off, net of recoveries, as a yearly rate. Lower is better.
Filing lines: UBPR E019; charge-offs and recoveries Schedule RI-B Part I. Workbook note 11.
Better than 53.3% of peers. The bank less the peer median: -0.01 pts.
The parts, Q2 2026
| Filed amount | This bank | Peer median |
|---|---|---|
| Net charge-offs, year to dateSchedule RI-B, Part I, item 9, columns A less B | $8.0M | $2.6M |
| Loans and leasesSchedule RC-C, Part I, item 12 (RCON/RCFD 2122) | $9.97B | $10.71B |
Charge-offs are year to date, so the ratio annualizes them and divides by average loans for the year.
Quarter by quarter
| Quarter | This bank | Peer median | Peer 25th | Peer 75th | Percentile | Peers |
|---|---|---|---|---|---|---|
| Q2 2026 | 0.07% | 0.08% | 0.01% | 0.54% | 46.7% | 15 |
| Q1 2026 | 0.25% | 0.04% | 0.01% | 0.28% | 73.3% | 15 |
| Q4 2025 | 0.32% | 0.05% | 0.02% | 0.28% | 86.7% | 15 |
| Q3 2025 | 0.02% | 0.14% | 0.03% | 0.50% | 20.0% | 15 |
| Q2 2025 | 0.17% | 0.06% | 0.01% | 0.22% | 60.0% | 15 |
| Q1 2025 | 0.01% | 0.04% | 0.01% | 0.21% | 40.0% | 15 |
| Q4 2024 | 0.14% | 0.10% | 0.02% | 0.29% | 60.0% | 15 |
| Q3 2024 | 0.02% | 0.07% | 0.02% | 0.15% | 33.3% | 15 |
Texas ratio (%) lower is better This bank7.55% Peer median3.88% Percentile73.3% Rank12 of 16 Behind most peers How it is built
Nonperforming assets divided by tangible equity plus the allowance for credit losses. Problem assets against the cushion that absorbs them. Above 100% is a warning sign.
Filing lines: Schedules RC-N (nonaccrual), RC-M (other real estate owned), RC (equity, intangibles) and RC (allowance). Workbook note 12.
Better than 26.7% of peers. The bank less the peer median: +3.68 pts.
Quarter by quarter
| Quarter | This bank | Peer median | Peer 25th | Peer 75th | Percentile | Peers |
|---|---|---|---|---|---|---|
| Q2 2026 | 7.55% | 3.88% | 2.48% | 7.56% | 73.3% | 15 |
| Q1 2026 | 9.46% | 3.48% | 2.24% | 6.10% | 80.0% | 15 |
| Q4 2025 | 7.48% | 3.67% | 2.21% | 5.32% | 80.0% | 15 |
| Q3 2025 | 6.21% | 3.05% | 2.31% | 6.00% | 73.3% | 15 |
| Q2 2025 | 6.53% | 3.37% | 2.24% | 5.34% | 80.0% | 15 |
| Q1 2025 | 6.46% | 3.74% | 2.40% | 5.70% | 73.3% | 15 |
| Q4 2024 | 3.44% | 4.41% | 2.62% | 6.32% | 33.3% | 15 |
| Q3 2024 | 3.39% | 4.29% | 2.18% | 5.39% | 33.3% | 15 |
Funding
Loans / deposits (%) lower is better This bank80.91% Peer median86.89% Percentile26.7% Rank5 of 16 Better than most peers How it is built
Total loans and leases divided by total deposits. How much of the deposit base is lent out. Lower leaves more liquidity.
Filing lines: Schedule RC-C Part I item 12 (RCON/RCFD 2122); Schedule RC item 13 (RCON/RCFD 2200). Workbook note 13.
Better than 73.3% of peers. The bank less the peer median: -5.98 pts.
The parts, Q2 2026
| Filed amount | This bank | Peer median |
|---|---|---|
| Loans and leasesSchedule RC-C, Part I, item 12 (RCON/RCFD 2122) | $9.97B | $10.71B |
| Total depositsSchedule RC, item 13 (RCON/RCFD 2200) | $12.33B | $12.36B |
Quarter by quarter
| Quarter | This bank | Peer median | Peer 25th | Peer 75th | Percentile | Peers |
|---|---|---|---|---|---|---|
| Q2 2026 | 80.91% | 86.89% | 78.89% | 99.66% | 26.7% | 15 |
| Q1 2026 | 82.03% | 89.73% | 78.47% | 100.04% | 33.3% | 15 |
| Q4 2025 | 79.69% | 87.87% | 77.76% | 98.95% | 26.7% | 15 |
| Q3 2025 | 82.05% | 88.68% | 78.18% | 96.86% | 33.3% | 15 |
| Q2 2025 | 81.97% | 89.94% | 80.67% | 96.57% | 26.7% | 15 |
| Q1 2025 | 81.37% | 88.88% | 77.40% | 93.89% | 33.3% | 15 |
| Q4 2024 | 77.13% | 89.50% | 80.43% | 94.55% | 26.7% | 15 |
| Q3 2024 | 82.83% | 88.55% | 79.51% | 98.41% | 26.7% | 15 |
Core deposits / deposits (%) This bank70.86% Peer median82.81% Percentile20.0% Rank13 of 16 Bottom quarter of peers How it is built
Core deposits divided by total deposits. The share of funding from stable, relationship deposits.
Filing lines: Schedule RC-E and RC-O (deposits); Schedule RC item 13 (RCON/RCFD 2200). Workbook note 14.
Better than 20.0% of peers. The bank less the peer median: -11.95 pts.
The parts, Q2 2026
| Filed amount | This bank | Peer median |
|---|---|---|
| Core depositsSchedules RC-E and RC-O | $8.73B | $10.32B |
| Total depositsSchedule RC, item 13 (RCON/RCFD 2200) | $12.33B | $12.36B |
Quarter by quarter
| Quarter | This bank | Peer median | Peer 25th | Peer 75th | Percentile | Peers |
|---|---|---|---|---|---|---|
| Q2 2026 | 70.86% | 82.81% | 76.59% | 91.99% | 20.0% | 15 |
| Q1 2026 | 72.25% | 86.28% | 79.21% | 91.16% | 20.0% | 15 |
| Q4 2025 | 68.99% | 85.84% | 77.54% | 93.84% | 20.0% | 15 |
| Q3 2025 | 69.44% | 84.62% | 75.73% | 93.59% | 20.0% | 15 |
| Q2 2025 | 67.52% | 81.83% | 75.31% | 94.75% | 13.3% | 15 |
| Q1 2025 | 53.25% | 82.25% | 69.30% | 93.97% | 13.3% | 15 |
| Q4 2024 | 54.30% | 79.05% | 69.03% | 92.78% | 13.3% | 15 |
| Q3 2024 | 52.50% | 77.90% | 64.57% | 90.38% | 13.3% | 15 |
Every peer, Q2 2026
The 15 peers by name, one row each, with every measure. Free with an account.
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Peers. The 15 banks nearest this bank in total assets, among banks within 50% of its size that filed in the last two quarters. When fewer than 8 banks fall in that band, the nearest by size are used without it.
Percentile is the share of peers whose value is below this bank's, counting a peer with the same value as half. Better than uses each measure's direction: for the efficiency ratio, nonperforming loans, charge-offs, the Texas ratio and loans to deposits, a lower value is better. Rank 1 is best among the bank and its peers. The bank is never counted in its own peer figures.
The quarter is the bank's own newest filed quarter, so a bank is never compared against peers that have not filed yet. NA means the line was not reported for that quarter; it never means zero.
Source: FFIEC Call Report and UBPR, standardized by BankRegReports. The same figures are in the peer analysis API and the peer workbook.