New Carlisle Federal Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks New Carlisle Federal Savings Bank of New Carlisle, OH 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 | 1.44% | 1.35% | +0.09% | 60th above |
| ROAE | 17.58% | 12.05% | +5.53% | 78th top |
| Net Interest Margin | 4.54% | 3.90% | +0.64% | 80th top |
| Efficiency Ratio | 51.88% | 63.15% | -11.27% | 77th top |
| PPNR / Avg Assets | 2.23% | 1.64% | +0.59% | 81st top |
| Yield on Earning Assets | 7.09% | 5.65% | +1.44% | 96th top |
| Cost of Funds | 2.71% | 1.85% | +0.86% | 10th bottom |
| Net Interest Spread | 3.92% | 3.35% | +0.57% | 80th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.06% | 0.92% | +0.14% | 27th below |
| NPA / Total Assets | 0.90% | 0.67% | +0.23% | 23rd bottom |
| NCO / Avg Loans | 0.73% | 0.14% | +0.59% | 5th bottom |
| ACL / Total Loans | 0.72% | 1.28% | -0.56% | 8th bottom |
| ACL / NPLs (Coverage) | 68.42% | 1645.81% | -1577.39% | 17th bottom |
| Texas Ratio | 20.24% | 7.14% | +13.10% | 7th bottom |
| Provision / NCO | 107.20% | 1189.86% | -1082.66% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.05% | 20.84% | -10.79% | 3rd bottom |
| Tier 1 Ratio | 10.05% | 20.87% | -10.82% | 3rd bottom |
| Total Capital Ratio | 10.79% | 21.94% | -11.15% | 1st bottom |
| Leverage Ratio | 8.42% | 12.47% | -4.05% | 5th bottom |
| Equity / Assets | 8.39% | 11.67% | -3.28% | 18th bottom |
| TCE / Tangible Assets | 8.39% | 11.40% | -3.01% | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 108.16% | 78.63% | +29.53% | 5th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.32% | 87.09% | +1.23% | 45th below |
| Wholesale Funding Ratio | 12.30% | 5.11% | +7.19% | 9th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.33% | 6.47% | +7.86% | 91st top |
| Loan Growth (Y/Y) | 12.12% | 7.64% | +4.48% | 80th top |
| Deposit Growth (Y/Y) | 19.08% | 6.02% | +13.06% | 94th top |
See New Carlisle Federal Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock New Carlisle Federal Savings 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 New Carlisle Federal Savings Bank profile, how to read a UBPR, or how this data updates.