McClave State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks McClave State Bank of McClave, CO against its peer group of 506 similarly-sized US banks as of Q3 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 | 1.72% | 0.80% | +0.92% | 82nd top |
| ROAE | 12.50% | 4.56% | +7.94% | 79th top |
| Net Interest Margin | 4.87% | 3.96% | +0.91% | 89th top |
| Efficiency Ratio | 52.75% | 76.29% | -23.54% | 74th above |
| PPNR / Avg Assets | 2.27% | — | — | 89th top |
| Yield on Earning Assets | 7.41% | 5.45% | +1.96% | 100th top |
| Cost of Funds | 2.96% | 1.72% | +1.24% | 2nd bottom |
| Net Interest Spread | 4.31% | — | — | 87th 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. | 0.14% | 1.41% | -1.27% | 46th below |
| NPA / Total Assets | 0.12% | — | — | 48th below |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 50th above |
| ACL / Total Loans | 1.14% | — | — | 38th below |
| ACL / NPLs (Coverage) | 791.35% | — | — | 79th top |
| Texas Ratio | 0.86% | 8.94% | -8.08% | 57th above |
| Provision / NCO | 0.00% | — | — | 17th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 14.19% | 14.22% | -0.03% | 59th above |
| Equity / Assets | 13.45% | 13.16% | +0.29% | 64th above |
| TCE / Tangible Assets | 13.45% | — | — | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 109.17% | 69.24% | +39.93% | 3rd bottom |
| Core Deposit Ratio | 64.94% | 88.77% | -23.83% | 0th bottom |
| Wholesale Funding Ratio | 6.60% | — | — | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.95% | — | — | 51st above |
| Loan Growth (Y/Y) | 0.37% | — | — | 49th below |
| Deposit Growth (Y/Y) | -1.41% | — | — | 26th below |
See McClave State Bank's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock McClave State 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 McClave State Bank profile, how to read a UBPR, or how this data updates.