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 Hulbert, OK 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 | 0.42% | 1.25% | -0.83% | 10th bottom |
| ROAE | 3.82% | 13.17% | -9.35% | 10th bottom |
| Net Interest Margin | 4.31% | 3.95% | +0.36% | 70th above |
| Efficiency Ratio | 84.00% | 61.50% | +22.50% | 9th bottom |
| PPNR / Avg Assets | 0.58% | — | — | 9th bottom |
| Yield on Earning Assets | 7.09% | 5.67% | +1.42% | 96th top |
| Cost of Funds | 2.74% | 1.87% | +0.87% | 10th bottom |
| Net Interest Spread | 4.18% | — | — | 89th 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. | 0.52% | 0.93% | -0.41% | 44th below |
| NPA / Total Assets | 0.39% | — | — | 44th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.15% | -0.08% | 22nd bottom |
| ACL / Total Loans | 0.62% | — | — | 5th bottom |
| ACL / NPLs (Coverage) | 120.32% | — | — | 33rd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.69% | 6.06% | -2.37% | 43rd below |
| Provision / NCO | 250.00% | — | — | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.13% | 17.18% | -4.05% | 30th below |
| Tier 1 Ratio | 13.13% | 17.21% | -4.08% | 29th below |
| Total Capital Ratio | 13.75% | — | — | 23rd bottom |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.35% | 11.75% | -0.40% | 56th above |
| Equity / Assets | 10.15% | 10.98% | -0.83% | 46th below |
| TCE / Tangible Assets | 10.15% | — | — | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.55% | 80.44% | +11.11% | 25th below |
| Core Deposit Ratio | 67.53% | 86.95% | -19.42% | 4th bottom |
| Wholesale Funding Ratio | 6.94% | — | — | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.93% | — | — | 82nd top |
| Loan Growth (Y/Y) | 17.69% | — | — | 90th top |
| Deposit Growth (Y/Y) | 15.61% | — | — | 91st 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.