NexTier Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks NexTier Bank, N.A. of Kittanning, PA against its peer group of 941 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 | 1.50% | 1.34% | +0.16% | 65th above |
| ROAE | 14.22% | 12.34% | +1.88% | 63rd above |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.76% | 3.83% | -0.07% | 53rd above |
| Efficiency Ratio | 47.51% | 58.97% | -11.46% | 81st top |
| PPNR / Avg Assets | 1.95% | — | — | 64th above |
| Yield on Earning Assets | 5.71% | 5.71% | +0.00% | 60th above |
| Cost of Funds | 2.09% | 2.02% | +0.07% | 44th below |
| Net Interest Spread | 3.11% | — | — | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.49% | 0.87% | +0.62% | 16th bottom |
| NPA / Total Assets | 1.13% | — | — | 18th bottom |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 62nd above |
| ACL / Total Loans | 1.07% | — | — | 39th below |
| ACL / NPLs (Coverage) | 71.76% | — | — | 13th bottom |
| Texas Ratio | 11.28% | 5.48% | +5.80% | 13th bottom |
| Provision / NCO | 1200.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.11% | 14.99% | -2.88% | 27th below |
| Tier 1 Ratio | 12.11% | 15.02% | -2.91% | 27th below |
| Total Capital Ratio | 13.27% | — | — | 26th below |
| Leverage Ratio | 9.64% | 11.11% | -1.47% | 26th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.65% | 11.02% | -0.37% | 54th above |
| TCE / Tangible Assets | 9.32% | — | — | 39th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.78% | 86.99% | -0.21% | 54th above |
| Core Deposit Ratio | 91.25% | 85.57% | +5.68% | 64th above |
| Uninsured Deposit Ratio | 50.92% | 33.19% | +17.73% | 8th bottom |
| Wholesale Funding Ratio | 1.71% | — | — | 73rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.79% | — | — | 39th below |
| Loan Growth (Y/Y) | 2.08% | — | — | 28th below |
| Deposit Growth (Y/Y) | 4.31% | — | — | 45th below |
See NexTier Bank, N.A.'s peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock NexTier 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 NexTier Bank, N.A. profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the NexTier Bank, N.A. peer analysis.