The Juniata Valley Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Juniata Valley Bank of Mifflintown, 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 | 1.08% | 1.34% | -0.26% | 38th below |
| ROAE | 16.31% | 13.31% | +3.00% | 72nd above |
| Net Interest Margin | 3.47% | 3.93% | -0.46% | 26th below |
| Efficiency Ratio | 60.33% | 61.14% | -0.81% | 53rd above |
| PPNR / Avg Assets | 1.51% | 1.68% | -0.17% | 45th below |
| Yield on Earning Assets | 4.99% | 5.67% | -0.68% | 23rd bottom |
| Cost of Funds | 1.25% | 1.88% | -0.63% | 82nd top |
| Net Interest Spread | 2.91% | 3.32% | -0.41% | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.94% | -0.89% | 79th top |
| NPA / Total Assets | 0.03% | 0.70% | -0.67% | 80th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 42nd below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.20% | 1.28% | -0.08% | 50th above |
| ACL / NPLs (Coverage) | 2534.55% | 1537.70% | +996.85% | — |
| Texas Ratio | 0.51% | 7.34% | -6.83% | 79th top |
| Provision / NCO | 5560.00% | 1389.85% | +4170.15% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.61% | 19.51% | -7.90% | 13th bottom |
| Tier 1 Ratio | 11.61% | 19.55% | -7.94% | 13th bottom |
| Total Capital Ratio | 12.76% | 20.63% | -7.87% | 14th bottom |
| Leverage Ratio | 8.56% | 12.14% | -3.58% | 7th bottom |
| Equity / Assets | 6.70% | 11.38% | -4.68% | 5th bottom |
| TCE / Tangible Assets | 5.68% | 11.10% | -5.42% | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.95% | 80.64% | -1.69% | 53rd above |
| Core Deposit Ratio | 94.26% | 86.85% | +7.41% | 81st top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.85% | 5.03% | -0.18% | 39th below |
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. | 5.81% | 6.85% | -1.04% | 61st above |
| Loan Growth (Y/Y) | 14.36% | 7.90% | +6.46% | 85th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.11% | 6.29% | -0.18% | 65th above |
See The Juniata Valley Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Juniata Valley 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 The Juniata Valley Bank profile, how to read a UBPR, or how this data updates.