New Horizon Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks New Horizon Bank, N.A. of Powhatan, VA 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 | -0.36% | 1.35% | -1.71% | 3rd bottom |
| ROAE | -3.15% | 12.06% | -15.21% | 3rd bottom |
| Net Interest Margin | 4.14% | 3.90% | +0.24% | 61st above |
| Efficiency Ratio | 108.06% | 63.13% | +44.93% | 2nd bottom |
| PPNR / Avg Assets | -0.35% | 1.64% | -1.99% | 2nd bottom |
| Yield on Earning Assets | 6.06% | 5.65% | +0.41% | 71st above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.84% | 1.85% | -0.01% | 47th below |
| Net Interest Spread | 3.00% | 3.35% | -0.35% | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 0.92% | -0.77% | 68th above |
| NPA / Total Assets | 0.08% | 0.67% | -0.59% | 73rd above |
| NCO / Avg Loans | 0.44% | 0.14% | +0.30% | 7th bottom |
| ACL / Total Loans | 0.83% | 1.28% | -0.45% | 12th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 553.05% | 1645.60% | -1092.55% | 73rd above |
| Texas Ratio | 0.85% | 7.15% | -6.30% | 75th top |
| Provision / NCO | 119.28% | 1189.85% | -1070.57% | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.81% | 12.46% | -1.65% | 47th below |
| Equity / Assets | 9.25% | 11.67% | -2.42% | 31st below |
| TCE / Tangible Assets | 8.74% | 11.40% | -2.66% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.77% | 78.65% | -13.88% | 77th top |
| Core Deposit Ratio | 95.09% | 87.09% | +8.00% | 84th top |
| Wholesale Funding Ratio | 10.41% | 5.11% | +5.30% | 13th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 63.09% | 6.45% | +56.64% | 99th top |
| Loan Growth (Y/Y) | 68.48% | 7.62% | +60.86% | 99th top |
| Deposit Growth (Y/Y) | 51.76% | 6.01% | +45.75% | 99th top |
See New Horizon Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock New Horizon Bank, N.A., 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 Horizon Bank, N.A. profile, how to read a UBPR, or how this data updates.