Oakworth Capital Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Oakworth Capital Bank of Birmingham, AL against its peer group of 931 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 | 1.26% | 1.44% | -0.18% | 48th below |
| ROAE | 13.83% | 12.50% | +1.33% | 61st above |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.80% | 3.84% | -0.04% | 56th above |
| Efficiency Ratio | 55.16% | 58.88% | -3.72% | 60th above |
| PPNR / Avg Assets | 2.06% | 1.78% | +0.28% | 72nd above |
| Yield on Earning Assets | 5.96% | 5.71% | +0.25% | 74th above |
| Cost of Funds | 2.35% | 2.03% | +0.32% | 28th below |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.14% | 3.18% | -0.04% | 55th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.65% | 0.96% | -0.31% | 48th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.65% | 0.75% | -0.10% | 39th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.30% | 0.31% | -0.01% | 14th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.20% | 1.25% | -0.05% | 59th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 183.81% | 699.41% | -515.60% | 52nd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.82% | 7.16% | -0.34% | 36th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 178.42% | 815.37% | -636.95% | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.73% | 17.42% | -6.69% | 6th bottom |
| Tier 1 Ratio | 10.73% | 17.45% | -6.72% | 6th bottom |
| Total Capital Ratio | 11.92% | 18.51% | -6.59% | 8th bottom |
| Leverage Ratio | 9.60% | 11.60% | -2.00% | 25th below |
| Equity / Assets | 9.08% | 11.33% | -2.25% | 23rd bottom |
| TCE / Tangible Assets | 9.08% | 10.65% | -1.57% | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.65% | 86.34% | +11.31% | 22nd bottom |
| Core Deposit Ratio | 97.76% | 85.54% | +12.22% | 95th top |
| Uninsured Deposit Ratio | 56.81% | 32.68% | +24.13% | 5th bottom |
| Wholesale Funding Ratio | 7.04% | 5.45% | +1.59% | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 15.29% | 10.45% | +4.84% | 87th top |
| Loan Growth (Y/Y) | 15.36% | 7.98% | +7.38% | 87th top |
| Deposit Growth (Y/Y) | 11.98% | 7.97% | +4.01% | 81st top |
See Oakworth Capital Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Oakworth Capital 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 Oakworth Capital Bank profile, how to read a UBPR, or how this data updates.