Ninnescah Valley Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ninnescah Valley Bank of Cunningham, KS against its peer group of 504 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 Behind the peer average, ahead of the median peer. | 1.49% | 3.13% | -1.64% | 68th above |
| ROAE | 17.34% | 10.29% | +7.05% | 87th top |
| Net Interest Margin | 4.24% | 3.94% | +0.30% | 65th above |
| Efficiency Ratio | 58.67% | 76.34% | -17.67% | 72nd above |
| PPNR / Avg Assets | 1.54% | 1.40% | +0.14% | 62nd above |
| Yield on Earning Assets | 5.03% | 5.35% | -0.32% | 42nd below |
| Cost of Funds | 0.87% | 1.70% | -0.83% | 85th top |
| Net Interest Spread | 3.50% | 3.32% | +0.18% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.56% | 1.33% | +1.23% | 13th bottom |
| NPA / Total Assets | 1.05% | 0.71% | +0.34% | 19th bottom |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 1.90% | 1.49% | +0.41% | 80th top |
| ACL / NPLs (Coverage) | 74.41% | 866.61% | -792.20% | 31st below |
| Texas Ratio | 15.08% | 8.25% | +6.83% | 12th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 100.00% | 290.54% | -190.54% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.04% | 17.65% | -5.61% | 39th below |
| Equity / Assets | 8.87% | 16.46% | -7.59% | 16th bottom |
| TCE / Tangible Assets | 8.87% | 16.20% | -7.33% | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 45.22% | 72.87% | -27.65% | 77th top |
| Core Deposit Ratio | 95.52% | 88.27% | +7.25% | 74th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.59% | 4.26% | +1.33% | 67th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.41% | 6.76% | -2.35% | 57th above |
| Deposit Growth (Y/Y) | 3.88% | 3.72% | +0.16% | 60th above |
See Ninnescah Valley Bank's peers by name
The 504 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ninnescah Valley 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 Ninnescah Valley Bank profile, how to read a UBPR, or how this data updates.