Jim Thorpe Neighborhood Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Jim Thorpe Neighborhood Bank of Jim Thorpe, PA 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 | 1.05% | 1.34% | -0.29% | 36th below |
| ROAE Behind the peer average, ahead of the median peer. | 12.64% | 13.31% | -0.67% | 52nd above |
| Net Interest Margin | 3.41% | 3.93% | -0.52% | 24th bottom |
| Efficiency Ratio | 62.52% | 61.14% | +1.38% | 47th below |
| PPNR / Avg Assets | 1.28% | 1.68% | -0.40% | 33rd below |
| Yield on Earning Assets | 4.32% | 5.67% | -1.35% | 6th bottom |
| Cost of Funds | 0.99% | 1.88% | -0.89% | 92nd top |
| Net Interest Spread | 2.96% | 3.32% | -0.36% | 31st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 32nd below |
| ACL / Total Loans | 1.05% | 1.28% | -0.23% | 32nd below |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
| Provision / NCO | 0.00% | 1396.03% | -1396.03% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.01% | 19.50% | +1.51% | 80th top |
| Tier 1 Ratio | 21.01% | 19.53% | +1.48% | 80th top |
| Total Capital Ratio | 22.04% | 20.62% | +1.42% | 80th top |
| Leverage Ratio | 10.08% | 12.14% | -2.06% | 34th below |
| Equity / Assets | 8.49% | 11.38% | -2.89% | 20th bottom |
| TCE / Tangible Assets | 8.19% | 11.09% | -2.90% | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 51.90% | 80.64% | -28.74% | 90th top |
| Core Deposit Ratio | 94.15% | 86.86% | +7.29% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.65% | 6.85% | +0.80% | 73rd above |
| Loan Growth (Y/Y) | -2.02% | 7.91% | -9.93% | 15th bottom |
| Deposit Growth (Y/Y) | 7.04% | 6.29% | +0.75% | 71st above |
See Jim Thorpe Neighborhood Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Jim Thorpe Neighborhood 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 Jim Thorpe Neighborhood Bank profile, how to read a UBPR, or how this data updates.