MCNB Bank and Trust Co.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks MCNB Bank and Trust Co. of Welch, WV 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 | 0.99% | 1.34% | -0.35% | 33rd below |
| ROAE | 8.76% | 13.32% | -4.56% | 29th below |
| Net Interest Margin | 3.46% | 3.93% | -0.47% | 26th below |
| Efficiency Ratio | 71.80% | 61.14% | +10.66% | 25th below |
| PPNR / Avg Assets | 1.11% | 1.68% | -0.57% | 25th below |
| Yield on Earning Assets | 5.25% | 5.67% | -0.42% | 33rd below |
| Cost of Funds | 1.94% | 1.88% | +0.06% | 41st below |
| Net Interest Spread | 2.95% | 3.32% | -0.37% | 31st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.28% | 0.94% | +2.34% | 5th bottom |
| NPA / Total Assets | 2.43% | 0.70% | +1.73% | 5th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 40th below |
| ACL / Total Loans | 1.04% | 1.28% | -0.24% | 30th below |
| ACL / NPLs (Coverage) | 31.54% | 1539.24% | -1507.70% | 4th bottom |
| Texas Ratio | 20.00% | 7.33% | +12.67% | 8th bottom |
| Provision / NCO | -221.74% | 1396.34% | -1618.08% | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.29% | 12.14% | +0.15% | 68th above |
| Equity / Assets | 11.78% | 11.37% | +0.41% | 69th above |
| TCE / Tangible Assets | 11.78% | 11.09% | +0.69% | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.99% | 80.63% | +6.36% | 35th below |
| Core Deposit Ratio | 90.13% | 86.86% | +3.27% | 55th above |
| Wholesale Funding Ratio | 5.61% | 5.03% | +0.58% | 34th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.82% | 6.85% | -7.67% | 15th bottom |
| Loan Growth (Y/Y) | -2.09% | 7.91% | -10.00% | 15th bottom |
| Deposit Growth (Y/Y) | -3.83% | 6.29% | -10.12% | 8th bottom |
See MCNB Bank and Trust Co.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock MCNB Bank and Trust Co., 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 MCNB Bank and Trust Co. profile, how to read a UBPR, or how this data updates.