Merrick Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Merrick Bank of South Jordan, UT against its peer group of 927 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 | 1.78% | 1.46% | +0.32% | 81st top |
| ROAE | 9.95% | 12.70% | -2.75% | 31st below |
| Net Interest Margin | 16.83% | 3.80% | +13.03% | 100th top |
| Efficiency Ratio | 33.24% | 57.49% | -24.25% | 96th top |
| PPNR / Avg Assets | 13.58% | 1.84% | +11.74% | 100th top |
| Yield on Earning Assets | 19.60% | 5.67% | +13.93% | 100th top |
| Cost of Funds | 3.45% | 2.01% | +1.44% | 3rd bottom |
| Net Interest Spread | 15.76% | 3.14% | +12.62% | 100th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.25% | 1.00% | +0.25% | 25th below |
| NPA / Total Assets | 1.19% | 0.76% | +0.43% | 19th bottom |
| NCO / Avg Loans | 11.37% | 0.39% | +10.98% | 0th bottom |
| ACL / Total Loans | 15.37% | 1.26% | +14.11% | 100th top |
| ACL / NPLs (Coverage) | 1225.64% | 561.96% | +663.68% | — |
| Texas Ratio | 13.14% | 7.37% | +5.77% | 15th bottom |
| Provision / NCO | 93.36% | 620.75% | -527.39% | 30th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.80% | 17.34% | -0.54% | 82nd top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.80% | 17.37% | -0.57% | 82nd top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.21% | 18.42% | -0.21% | 83rd top |
| Leverage Ratio | 16.59% | 11.42% | +5.17% | 95th top |
| Equity / Assets | 17.63% | 11.31% | +6.32% | 97th top |
| TCE / Tangible Assets | 16.60% | 10.48% | +6.12% | 96th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 117.15% | 86.85% | +30.30% | 4th bottom |
| Core Deposit Ratio | 19.00% | 85.79% | -66.79% | 1st bottom |
| Uninsured Deposit Ratio | 4.76% | 33.23% | -28.47% | 99th top |
| Wholesale Funding Ratio | 0.00% | 5.72% | -5.72% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.00% | 9.71% | -7.71% | 28th below |
| Loan Growth (Y/Y) | 1.53% | 8.08% | -6.55% | 25th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.91% | 7.88% | -1.97% | 58th above |
See Merrick Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Merrick 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 Merrick Bank profile, how to read a UBPR, or how this data updates.