Kingston National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Kingston National Bank of Kingston, OH 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 | 0.81% | 1.35% | -0.54% | 23rd bottom |
| ROAE | 10.76% | 12.05% | -1.29% | 41st below |
| Net Interest Margin | 3.20% | 3.90% | -0.70% | 16th bottom |
| Efficiency Ratio | 70.40% | 63.15% | +7.25% | 27th below |
| PPNR / Avg Assets | 0.99% | 1.64% | -0.65% | 20th bottom |
| Yield on Earning Assets | 4.90% | 5.65% | -0.75% | 19th bottom |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.83% | 1.85% | -0.02% | 48th below |
| Net Interest Spread | 2.60% | 3.35% | -0.75% | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.27% | 0.92% | -0.65% | 59th above |
| NPA / Total Assets | 0.19% | 0.67% | -0.48% | 61st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 33rd below |
| ACL / Total Loans | 1.02% | 1.28% | -0.26% | 28th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 375.39% | 1645.68% | -1270.29% | 65th above |
| Texas Ratio | 2.23% | 7.15% | -4.92% | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.37% | 20.83% | -7.46% | 32nd below |
| Tier 1 Ratio | 13.37% | 20.87% | -7.50% | 32nd below |
| Total Capital Ratio | 14.44% | 21.94% | -7.50% | 31st below |
| Leverage Ratio | 9.21% | 12.46% | -3.25% | 16th bottom |
| Equity / Assets | 7.68% | 11.67% | -3.99% | 11th bottom |
| TCE / Tangible Assets | 7.68% | 11.40% | -3.72% | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.27% | 78.64% | -3.37% | 61st above |
| Core Deposit Ratio | 78.18% | 87.10% | -8.92% | 13th bottom |
| Wholesale Funding Ratio | 0.09% | 5.12% | -5.03% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.15% | 6.48% | -3.33% | 41st below |
| Loan Growth (Y/Y) | 0.06% | 7.64% | -7.58% | 23rd bottom |
| Deposit Growth (Y/Y) | 2.54% | 6.02% | -3.48% | 39th below |
See Kingston National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Kingston National 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 Kingston National Bank profile, how to read a UBPR, or how this data updates.