Merit Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Merit Bank of Huntsville, AL 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 | 1.07% | 1.35% | -0.28% | 37th below |
| ROAE | 11.15% | 12.05% | -0.90% | 43rd below |
| Net Interest Margin | 3.55% | 3.90% | -0.35% | 29th below |
| Efficiency Ratio | 53.60% | 63.15% | -9.55% | 73rd above |
| PPNR / Avg Assets | 1.71% | 1.64% | +0.07% | 57th above |
| Yield on Earning Assets | 6.09% | 5.65% | +0.44% | 72nd above |
| Cost of Funds | 2.69% | 1.85% | +0.84% | 11th bottom |
| Net Interest Spread | 2.72% | 3.35% | -0.63% | 21st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.04% | 0.67% | -0.63% | 79th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.96% | 1.28% | -0.32% | 21st bottom |
| Texas Ratio | 0.40% | 7.15% | -6.75% | 82nd top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 203.20% | 1189.80% | -986.60% | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.23% | 20.83% | -8.60% | 20th bottom |
| Tier 1 Ratio | 12.23% | 20.87% | -8.64% | 19th bottom |
| Total Capital Ratio | 13.16% | 21.94% | -8.78% | 18th bottom |
| Leverage Ratio | 9.70% | 12.46% | -2.76% | 25th below |
| Equity / Assets | 9.29% | 11.67% | -2.38% | 32nd below |
| TCE / Tangible Assets | 9.26% | 11.40% | -2.14% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.61% | 78.64% | +10.97% | 29th below |
| Core Deposit Ratio | 89.04% | 87.09% | +1.95% | 50th above |
| Wholesale Funding Ratio | 13.02% | 5.11% | +7.91% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 26.56% | 6.47% | +20.09% | 97th top |
| Loan Growth (Y/Y) | 27.75% | 7.63% | +20.12% | 96th top |
| Deposit Growth (Y/Y) | 16.18% | 6.02% | +10.16% | 92nd top |
See Merit Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Merit 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 Merit Bank profile, how to read a UBPR, or how this data updates.