The Neffs National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Neffs National Bank of Neffs, PA 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 | 0.57% | 1.34% | -0.77% | 15th bottom |
| ROAE | 3.72% | 13.32% | -9.60% | 10th bottom |
| Net Interest Margin | 2.84% | 3.93% | -1.09% | 7th bottom |
| Efficiency Ratio | 73.66% | 61.13% | +12.53% | 21st bottom |
| PPNR / Avg Assets | 0.64% | 1.68% | -1.04% | 11th bottom |
| Yield on Earning Assets | 4.30% | 5.67% | -1.37% | 5th bottom |
| Cost of Funds | 1.73% | 1.88% | -0.15% | 55th above |
| Net Interest Spread | 2.11% | 3.32% | -1.21% | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.14% | 0.94% | -0.80% | 69th above |
| NPA / Total Assets | 0.08% | 0.70% | -0.62% | 73rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 36th below |
| ACL / Total Loans | 0.90% | 1.28% | -0.38% | 17th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 626.95% | 1539.13% | -912.18% | 75th top |
| Texas Ratio | 0.52% | 7.33% | -6.81% | 79th top |
| Provision / NCO | 1450.00% | 1395.45% | +54.55% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.82% | 12.14% | +4.68% | 92nd top |
| Equity / Assets | 15.23% | 11.37% | +3.86% | 89th top |
| TCE / Tangible Assets | 15.23% | 11.09% | +4.14% | 90th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.42% | 80.64% | -11.22% | 71st above |
| Core Deposit Ratio | 92.72% | 86.86% | +5.86% | 72nd above |
| Wholesale Funding Ratio | 5.10% | 5.03% | +0.07% | 37th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.71% | 6.85% | -6.14% | 24th bottom |
| Loan Growth (Y/Y) | 3.88% | 7.90% | -4.02% | 42nd below |
| Deposit Growth (Y/Y) | 3.22% | 6.29% | -3.07% | 44th below |
See The Neffs National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Neffs National 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 Neffs National Bank profile, how to read a UBPR, or how this data updates.