The Lauderdale County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Lauderdale County Bank of Halls, TN against its peer group of 536 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 | 0.94% | 3.14% | -2.20% | 44th below |
| ROAE Behind the peer average, ahead of the median peer. | 10.28% | 10.42% | -0.14% | 60th above |
| Net Interest Margin | 3.95% | 3.93% | +0.02% | 55th above |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 71.03% | 76.31% | -5.28% | 47th below |
| PPNR / Avg Assets | 1.16% | 1.40% | -0.24% | 47th below |
| Yield on Earning Assets | 5.35% | 5.35% | +0.00% | 55th above |
| Cost of Funds | 1.50% | 1.71% | -0.21% | 52nd above |
| Net Interest Spread | 3.19% | 3.31% | -0.12% | 43rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 1.16% | 1.34% | -0.18% | 27th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.53% | 0.71% | -0.18% | 30th below |
| NCO / Avg Loans | -0.01% | 0.11% | -0.12% | 81st top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.34% | 1.49% | -0.15% | 59th above |
| ACL / NPLs (Coverage) | 116.25% | 866.22% | -749.97% | 42nd below |
| Texas Ratio | 9.57% | 8.25% | +1.32% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.54% | 17.62% | -6.08% | 34th below |
| Equity / Assets | 9.58% | 16.44% | -6.86% | 22nd bottom |
| TCE / Tangible Assets | 9.58% | 16.19% | -6.61% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 51.57% | 72.87% | -21.30% | 70th above |
| Core Deposit Ratio | 80.80% | 88.23% | -7.43% | 14th bottom |
| Wholesale Funding Ratio | 0.00% | 5.30% | -5.30% | 100th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.30% | 4.30% | +3.00% | 74th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.74% | 6.72% | -0.98% | 63rd above |
| Deposit Growth (Y/Y) | 7.11% | 3.76% | +3.35% | 74th above |
See The Lauderdale County Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Lauderdale 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 The Lauderdale County Bank profile, how to read a UBPR, or how this data updates.