Ohio State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ohio State Bank of Bexley, OH 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 | 1.03% | 1.34% | -0.31% | 35th below |
| ROAE | 9.02% | 13.32% | -4.30% | 30th below |
| Net Interest Margin | 2.51% | 3.93% | -1.42% | 3rd bottom |
| Efficiency Ratio | 49.91% | 61.14% | -11.23% | 81st top |
| PPNR / Avg Assets | 1.30% | 1.68% | -0.38% | 34th below |
| Yield on Earning Assets | 5.32% | 5.67% | -0.35% | 36th below |
| Cost of Funds | 3.18% | 1.88% | +1.30% | 3rd bottom |
| Net Interest Spread | 1.96% | 3.32% | -1.36% | 4th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.03% | 0.94% | +0.09% | 28th below |
| NPA / Total Assets | 0.91% | 0.70% | +0.21% | 22nd bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.06% | 1.28% | -0.22% | 33rd below |
| ACL / NPLs (Coverage) | 103.00% | 1539.41% | -1436.41% | 28th below |
| Texas Ratio | 7.48% | 7.33% | +0.15% | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.69% | 12.14% | -0.45% | 61st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.23% | 11.37% | -0.14% | 63rd above |
| TCE / Tangible Assets | 11.23% | 11.09% | +0.14% | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 106.01% | 80.63% | +25.38% | 6th bottom |
| Core Deposit Ratio | 64.20% | 86.87% | -22.67% | 3rd bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.13% | 5.03% | -0.90% | 45th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.27% | 6.85% | -1.58% | 57th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.38% | 7.90% | -2.52% | 50th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.87% | 6.29% | -0.42% | 63rd above |
See Ohio State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ohio State 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 Ohio State Bank profile, how to read a UBPR, or how this data updates.