Journey Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Journey Bank of Bloomsburg, PA against its peer group of 941 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 | 1.69% | 1.34% | +0.35% | 75th top |
| ROAE | 14.96% | 12.34% | +2.62% | 69th above |
| Net Interest Margin | 4.36% | 3.83% | +0.53% | 84th top |
| Efficiency Ratio | 46.94% | 58.97% | -12.03% | 82nd top |
| PPNR / Avg Assets | 2.45% | — | — | 86th top |
| Yield on Earning Assets | 6.05% | 5.71% | +0.34% | 78th top |
| Cost of Funds | 1.80% | 2.02% | -0.22% | 62nd above |
| Net Interest Spread | 3.84% | — | — | 87th 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. | 0.74% | 0.87% | -0.13% | 37th below |
| NPA / Total Assets | 0.53% | — | — | 40th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.43% | -0.40% | 47th below |
| ACL / Total Loans | 0.85% | — | — | 16th bottom |
| ACL / NPLs (Coverage) | 115.54% | — | — | 29th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.17% | 5.48% | -0.31% | 38th below |
| Provision / NCO | 382.52% | — | — | 70th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 16.74% | 14.99% | +1.75% | 81st top |
| Tier 1 Ratio | 16.74% | 15.02% | +1.72% | 81st top |
| Total Capital Ratio | 17.73% | — | — | 80th top |
| Leverage Ratio | 10.22% | 11.11% | -0.89% | 42nd below |
| Equity / Assets | 11.65% | 11.02% | +0.63% | 71st above |
| TCE / Tangible Assets | 9.88% | — | — | 52nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.20% | 86.99% | -2.79% | 60th above |
| Core Deposit Ratio | 92.96% | 85.57% | +7.39% | 74th above |
| Uninsured Deposit Ratio | 27.67% | 33.19% | -5.52% | 60th above |
| Wholesale Funding Ratio | 1.46% | — | — | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.46% | — | — | 36th below |
| Loan Growth (Y/Y) | 4.12% | — | — | 40th below |
| Deposit Growth (Y/Y) | 5.31% | — | — | 52nd above |
See Journey Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Journey 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 Journey 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 Journey Bank peer analysis.