Local Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Local Bank of Tuscaloosa, AL against its peer group of 2757 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 | -0.80% | 1.25% | -2.05% | 2nd bottom |
| ROAE | -4.94% | 12.22% | -17.16% | 2nd bottom |
| Net Interest Margin | 4.72% | 3.95% | +0.77% | 86th top |
| Efficiency Ratio | 105.09% | 63.71% | +41.38% | 2nd bottom |
| PPNR / Avg Assets | -0.65% | — | — | 1st bottom |
| Yield on Earning Assets | 7.88% | 5.67% | +2.21% | 99th top |
| Cost of Funds | 3.15% | 1.87% | +1.28% | 4th bottom |
| Net Interest Spread | 4.35% | — | — | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.42% | 0.88% | +0.54% | 19th bottom |
| NPA / Total Assets | 1.27% | — | — | 15th bottom |
| NCO / Avg Loans | -0.02% | 0.15% | -0.17% | 91st top |
| ACL / Total Loans | 0.90% | — | — | 18th bottom |
| ACL / NPLs (Coverage) | 63.60% | — | — | 15th bottom |
| Texas Ratio | 8.46% | 5.96% | +2.50% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.29% | 11.75% | +2.54% | 83rd top |
| Equity / Assets | 15.33% | 10.98% | +4.35% | 89th top |
| TCE / Tangible Assets | 14.46% | — | — | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.74% | 80.44% | +18.30% | 13th bottom |
| Core Deposit Ratio | 85.88% | 86.95% | -1.07% | 34th below |
| Wholesale Funding Ratio | 3.60% | — | — | 50th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 17.67% | — | — | 93rd top |
| Loan Growth (Y/Y) | 17.28% | — | — | 89th top |
| Deposit Growth (Y/Y) | 16.72% | — | — | 92nd top |
See Local Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Local 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 Local 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 Local Bank peer analysis.