Morgantown Bank & Trust Company, Incorporated: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Morgantown Bank & Trust Company, Incorporated of Morgantown, KY 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 | 0.86% | 1.34% | -0.48% | 26th below |
| ROAE | 11.32% | 13.32% | -2.00% | 43rd below |
| Net Interest Margin | 3.63% | 3.93% | -0.30% | 33rd below |
| Efficiency Ratio | 69.86% | 61.14% | +8.72% | 28th below |
| PPNR / Avg Assets | 1.22% | 1.68% | -0.46% | 29th below |
| Yield on Earning Assets | 6.08% | 5.67% | +0.41% | 72nd above |
| Cost of Funds | 2.50% | 1.88% | +0.62% | 15th bottom |
| Net Interest Spread | 3.13% | 3.32% | -0.19% | 40th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.25% | 0.94% | -0.69% | 61st above |
| NPA / Total Assets | 0.24% | 0.70% | -0.46% | 57th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 32nd below |
| ACL / Total Loans | 0.70% | 1.28% | -0.58% | 7th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 280.57% | 1539.26% | -1258.69% | 58th above |
| Texas Ratio | 3.00% | 7.33% | -4.33% | 54th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 609.09% | 1396.00% | -786.91% | 75th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.44% | 19.51% | -8.07% | 12th bottom |
| Tier 1 Ratio | 11.44% | 19.54% | -8.10% | 12th bottom |
| Total Capital Ratio | 12.28% | 20.63% | -8.35% | 10th bottom |
| Leverage Ratio | 8.17% | 12.14% | -3.97% | 3rd bottom |
| Equity / Assets | 7.70% | 11.38% | -3.68% | 11th bottom |
| TCE / Tangible Assets | 7.70% | 11.09% | -3.39% | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.90% | 80.63% | +11.27% | 24th bottom |
| Core Deposit Ratio | 90.17% | 86.86% | +3.31% | 56th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.77% | 5.03% | -1.26% | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.98% | 6.85% | -0.87% | 62nd above |
| Loan Growth (Y/Y) | 9.39% | 7.90% | +1.49% | 71st above |
| Deposit Growth (Y/Y) | 8.23% | 6.29% | +1.94% | 77th top |
See Morgantown Bank & Trust Company, Incorporated's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Morgantown Bank & Trust Company, Incorporated, 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 Morgantown Bank & Trust Company, Incorporated profile, how to read a UBPR, or how this data updates.