Jackson County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Jackson County Bank of McKee, KY against its peer group of 2757 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 | 1.91% | 1.25% | +0.66% | 82nd top |
| ROAE | 6.71% | 12.22% | -5.51% | 19th bottom |
| Net Interest Margin | 4.50% | 3.95% | +0.55% | 79th top |
| Efficiency Ratio | 48.79% | 63.71% | -14.92% | 83rd top |
| PPNR / Avg Assets | 2.49% | — | — | 89th top |
| Yield on Earning Assets | 5.15% | 5.67% | -0.52% | 28th below |
| Cost of Funds | 0.89% | 1.87% | -0.98% | 94th top |
| Net Interest Spread | 3.81% | — | — | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.68% | 0.88% | -0.20% | 38th below |
| NPA / Total Assets | 0.29% | — | — | 52nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.15% | -0.07% | 21st bottom |
| ACL / Total Loans | 2.69% | — | — | 98th top |
| ACL / NPLs (Coverage) | 394.84% | — | — | 65th above |
| Texas Ratio | 0.99% | 5.96% | -4.97% | 68th above |
| Provision / NCO | 100.00% | — | — | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 28.83% | 11.75% | +17.08% | 98th top |
| Equity / Assets | 28.37% | 10.98% | +17.39% | 98th top |
| TCE / Tangible Assets | 28.37% | — | — | 98th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.03% | 80.44% | -15.41% | 78th top |
| Core Deposit Ratio | 93.83% | 86.95% | +6.88% | 79th top |
| Wholesale Funding Ratio | 6.79% | — | — | 27th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.61% | — | — | 29th below |
| Loan Growth (Y/Y) | -0.66% | — | — | 20th bottom |
| Deposit Growth (Y/Y) | 2.69% | — | — | 40th below |
See Jackson County Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Jackson County 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 Jackson County Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Jackson County Bank peer analysis.