One Bank of Tennessee: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks One Bank of Tennessee of Cookeville, TN 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 | 2.26% | 1.46% | +0.80% | 93rd top |
| ROAE | 25.97% | 12.71% | +13.26% | 96th top |
| Net Interest Margin | 4.21% | 3.85% | +0.36% | 79th top |
| Efficiency Ratio | 48.44% | 57.41% | -8.97% | 79th top |
| PPNR / Avg Assets | 2.56% | 1.88% | +0.68% | 89th top |
| Yield on Earning Assets | 5.51% | 5.72% | -0.21% | 49th below |
| Cost of Funds | 1.37% | 2.02% | -0.65% | 85th top |
| Net Interest Spread | 3.82% | 3.18% | +0.64% | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 1.00% | -0.99% | 97th top |
| NPA / Total Assets | 0.00% | 0.76% | -0.76% | 96th top |
| NCO / Avg Loans | 0.03% | 0.43% | -0.40% | 50th above |
| ACL / Total Loans | 0.68% | 1.31% | -0.63% | 9th bottom |
| ACL / NPLs (Coverage) | 10526.76% | 536.76% | +9990.00% | — |
| Texas Ratio | 0.10% | 7.39% | -7.29% | 96th top |
| Provision / NCO | 703.70% | 618.54% | +85.16% | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.85% | 17.34% | -2.49% | 69th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.85% | 17.37% | -2.52% | 68th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.59% | 18.42% | -2.83% | 65th above |
| Leverage Ratio | 9.09% | 11.44% | -2.35% | 14th bottom |
| Equity / Assets | 8.79% | 11.34% | -2.55% | 17th bottom |
| TCE / Tangible Assets | 8.61% | 10.50% | -1.89% | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.02% | 86.96% | -12.94% | 80th top |
| Core Deposit Ratio | 91.29% | 85.55% | +5.74% | 64th above |
| Uninsured Deposit Ratio | 20.93% | 33.13% | -12.20% | 82nd top |
| Wholesale Funding Ratio | 0.82% | 5.71% | -4.89% | 85th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.09% | 9.69% | -8.60% | 22nd bottom |
| Loan Growth (Y/Y) | 1.58% | 8.06% | -6.48% | 26th below |
| Deposit Growth (Y/Y) | -0.41% | 7.87% | -8.28% | 17th bottom |
See One Bank of Tennessee's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock One Bank of Tennessee, 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 One Bank of Tennessee profile, how to read a UBPR, or how this data updates.