Nantahala Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Nantahala Bank & Trust Company of Franklin, NC 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 | 1.64% | 1.34% | +0.30% | 71st above |
| ROAE | 17.56% | 13.31% | +4.25% | 78th top |
| Net Interest Margin | 4.74% | 3.93% | +0.81% | 87th top |
| Efficiency Ratio | 59.81% | 61.14% | -1.33% | 55th above |
| PPNR / Avg Assets | 2.13% | 1.68% | +0.45% | 77th top |
| Yield on Earning Assets | 5.93% | 5.67% | +0.26% | 65th above |
| Cost of Funds | 1.24% | 1.88% | -0.64% | 83rd top |
| Net Interest Spread | 4.04% | 3.32% | +0.72% | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.32% | 0.94% | -0.62% | 56th above |
| NPA / Total Assets | 0.21% | 0.70% | -0.49% | 58th above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 89th top |
| ACL / Total Loans | 0.97% | 1.28% | -0.31% | 23rd bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 307.33% | 1539.05% | -1231.72% | 60th above |
| Texas Ratio | 2.09% | 7.33% | -5.24% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.38% | 19.50% | -5.12% | 43rd below |
| Tier 1 Ratio | 14.93% | 19.54% | -4.61% | 48th below |
| Total Capital Ratio | 16.00% | 20.62% | -4.62% | 48th below |
| Leverage Ratio | 9.43% | 12.14% | -2.71% | 20th bottom |
| Equity / Assets | 9.53% | 11.37% | -1.84% | 36th below |
| TCE / Tangible Assets | 9.18% | 11.09% | -1.91% | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.71% | 80.64% | -5.93% | 62nd above |
| Core Deposit Ratio | 91.65% | 86.86% | +4.79% | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.66% | 6.85% | +0.81% | 73rd above |
| Loan Growth (Y/Y) | 1.83% | 7.90% | -6.07% | 31st below |
| Deposit Growth (Y/Y) | 6.66% | 6.29% | +0.37% | 68th above |
See Nantahala Bank & Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Nantahala Bank & 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 Nantahala Bank & Trust Company profile, how to read a UBPR, or how this data updates.