Members Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Members Trust Company of Tampa, FL against its peer group of 578 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 | -1.36% | 0.85% | -2.21% | 6th bottom |
| ROAE | -1.55% | 5.23% | -6.78% | 10th bottom |
| Net Interest Margin | 3.58% | 3.94% | -0.36% | 34th below |
| Efficiency Ratio | 101.24% | 76.13% | +25.11% | 10th bottom |
| PPNR / Avg Assets | -1.35% | — | — | 3rd bottom |
| Yield on Earning Assets | 3.66% | 5.42% | -1.76% | 7th bottom |
| Cost of Funds | 3.98% | 1.69% | +2.29% | 2nd bottom |
| Net Interest Spread | -0.34% | — | — | 1st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPA / Total Assets | 0.00% | — | — | 83rd top |
| Texas Ratio | 0.00% | 7.23% | -7.23% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 91.41% | 14.13% | +77.28% | 95th top |
| Equity / Assets | 83.98% | 13.07% | +70.91% | 93rd top |
| TCE / Tangible Assets | 83.40% | — | — | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 0.00% | 68.58% | -68.58% | 98th top |
| Core Deposit Ratio | 100.00% | 88.79% | +11.21% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -6.15% | — | — | 7th bottom |
| Deposit Growth (Y/Y) | 0.00% | — | — | 35th below |
See Members Trust Company's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Members Trust Company, 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 Members Trust Company 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 Members Trust Company peer analysis.