The Murray Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Murray Bank of Murray, 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 | 1.65% | 1.34% | +0.31% | 71st above |
| ROAE | 18.60% | 13.31% | +5.29% | 82nd top |
| Net Interest Margin | 3.57% | 3.93% | -0.36% | 30th below |
| Efficiency Ratio | 45.88% | 61.15% | -15.27% | 88th top |
| PPNR / Avg Assets | 2.17% | 1.68% | +0.49% | 79th top |
| Yield on Earning Assets | 5.26% | 5.67% | -0.41% | 33rd below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.87% | 1.88% | -0.01% | 45th below |
| Net Interest Spread | 2.93% | 3.32% | -0.39% | 30th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.95% | 0.94% | +1.01% | 13th bottom |
| NPA / Total Assets | 1.50% | 0.70% | +0.80% | 12th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 49th below |
| ACL / Total Loans | 1.55% | 1.28% | +0.27% | 81st top |
| ACL / NPLs (Coverage) | 79.30% | 1539.50% | -1460.20% | 21st bottom |
| Texas Ratio | 14.61% | 7.33% | +7.28% | 13th bottom |
| Provision / NCO | 3050.00% | 1394.19% | +1655.81% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.96% | 12.14% | -2.18% | 30th below |
| Equity / Assets | 9.06% | 11.38% | -2.32% | 28th below |
| TCE / Tangible Assets | 9.06% | 11.09% | -2.03% | 32nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.91% | 80.63% | +5.28% | 38th below |
| Core Deposit Ratio | 85.97% | 86.86% | -0.89% | 34th below |
| Wholesale Funding Ratio | 1.03% | 5.04% | -4.01% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.68% | 6.86% | -6.18% | 23rd bottom |
| Loan Growth (Y/Y) | 4.84% | 7.90% | -3.06% | 47th below |
| Deposit Growth (Y/Y) | 0.60% | 6.29% | -5.69% | 27th below |
See The Murray Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Murray 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 The Murray Bank profile, how to read a UBPR, or how this data updates.