The National Iron Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The National Iron Bank of Salisbury, CT 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 | 0.93% | 1.35% | -0.42% | 29th below |
| ROAE | 11.63% | 12.05% | -0.42% | 46th below |
| Net Interest Margin | 3.05% | 3.90% | -0.85% | 11th bottom |
| Efficiency Ratio | 67.97% | 63.15% | +4.82% | 33rd below |
| PPNR / Avg Assets | 1.04% | 1.64% | -0.60% | 22nd bottom |
| Yield on Earning Assets | 4.58% | 5.65% | -1.07% | 10th bottom |
| Cost of Funds | 1.66% | 1.85% | -0.19% | 59th above |
| Net Interest Spread | 2.69% | 3.35% | -0.66% | 20th 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 | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans | -0.00% | 0.15% | -0.15% | 76th top |
| ACL / Total Loans | 0.49% | 1.28% | -0.79% | 3rd bottom |
| Texas Ratio | 0.00% | 7.15% | -7.15% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.00% | 20.83% | -4.83% | 57th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.00% | 20.86% | -4.86% | 57th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.83% | 21.94% | -5.11% | 56th above |
| Leverage Ratio | 8.48% | 12.47% | -3.99% | 6th bottom |
| Equity / Assets | 8.18% | 11.67% | -3.49% | 15th bottom |
| TCE / Tangible Assets | 8.18% | 11.40% | -3.22% | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.06% | 78.64% | +11.42% | 28th below |
| Core Deposit Ratio | 94.84% | 87.09% | +7.75% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.60% | 6.47% | +0.13% | 66th above |
| Loan Growth (Y/Y) | 4.52% | 7.64% | -3.12% | 45th below |
| Deposit Growth (Y/Y) | 6.56% | 6.02% | +0.54% | 68th above |
See The National Iron Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The National Iron 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 National Iron Bank profile, how to read a UBPR, or how this data updates.