Main Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Main Bank of Albuquerque, NM 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 | 2.13% | 1.34% | +0.79% | 88th top |
| ROAE | 18.91% | 13.31% | +5.60% | 83rd top |
| Net Interest Margin | 4.38% | 3.93% | +0.45% | 74th above |
| Efficiency Ratio | 51.31% | 61.14% | -9.83% | 78th top |
| PPNR / Avg Assets | 2.13% | 1.68% | +0.45% | 77th top |
| Yield on Earning Assets | 6.02% | 5.67% | +0.35% | 69th above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.82% | 1.88% | -0.06% | 48th below |
| Net Interest Spread | 3.45% | 3.32% | +0.13% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 81st top |
| ACL / Total Loans | 1.57% | 1.28% | +0.29% | 82nd top |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.82% | 19.50% | -4.68% | 47th below |
| Tier 1 Ratio | 14.82% | 19.54% | -4.72% | 47th below |
| Total Capital Ratio | 16.07% | 20.62% | -4.55% | 48th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.55% | 12.14% | -0.59% | 59th above |
| Equity / Assets | 11.75% | 11.37% | +0.38% | 69th above |
| TCE / Tangible Assets | 11.75% | 11.09% | +0.66% | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.30% | 80.63% | +11.67% | 24th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.56% | 86.86% | +1.70% | 47th below |
| Wholesale Funding Ratio | 1.42% | 5.03% | -3.61% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.60% | 6.85% | -7.45% | 16th bottom |
| Loan Growth (Y/Y) | -1.40% | 7.90% | -9.30% | 17th bottom |
| Deposit Growth (Y/Y) | 2.89% | 6.29% | -3.40% | 42nd below |
See Main Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Main 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 Main Bank profile, how to read a UBPR, or how this data updates.