North Alabama Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks North Alabama Bank of Hazel Green, AL 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 | 1.56% | 1.35% | +0.21% | 67th above |
| ROAE | 13.66% | 12.05% | +1.61% | 58th above |
| Net Interest Margin | 5.56% | 3.90% | +1.66% | 98th top |
| Efficiency Ratio | 61.13% | 63.15% | -2.02% | 51st above |
| PPNR / Avg Assets | 2.08% | 1.64% | +0.44% | 75th top |
| Yield on Earning Assets | 7.47% | 5.65% | +1.82% | 98th top |
| Cost of Funds | 2.02% | 1.85% | +0.17% | 36th below |
| Net Interest Spread | 4.80% | 3.35% | +1.45% | 96th top |
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 | 0.11% | 0.67% | -0.56% | 68th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 41st below |
| ACL / Total Loans | 1.06% | 1.28% | -0.22% | 33rd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 729.06% | 1645.53% | -916.47% | 78th top |
| Texas Ratio | 0.98% | 7.15% | -6.17% | 73rd above |
| Provision / NCO | -124.32% | 1190.00% | -1314.32% | 4th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.73% | 12.46% | -0.73% | 62nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.42% | 11.67% | -0.25% | 65th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.84% | 11.40% | -0.56% | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.36% | 78.64% | +10.72% | 30th below |
| Core Deposit Ratio | 81.53% | 87.10% | -5.57% | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.06% | 6.48% | -6.54% | 19th bottom |
| Loan Growth (Y/Y) | -1.43% | 7.64% | -9.07% | 17th bottom |
| Deposit Growth (Y/Y) | 0.44% | 6.03% | -5.59% | 26th below |
See North Alabama Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock North Alabama 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 North Alabama Bank profile, how to read a UBPR, or how this data updates.