Osgood Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Osgood Bank of Osgood, 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 | 1.35% | 1.34% | +0.01% | 55th above |
| ROAE | 15.85% | 13.31% | +2.54% | 70th above |
| Net Interest Margin | 3.88% | 3.93% | -0.05% | 47th below |
| Efficiency Ratio | 60.33% | 61.14% | -0.81% | 53rd above |
| PPNR / Avg Assets | 1.52% | 1.68% | -0.16% | 46th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.60% | 5.67% | -0.07% | 50th above |
| Cost of Funds | 1.73% | 1.88% | -0.15% | 54th above |
| Net Interest Spread | 3.66% | 3.32% | +0.34% | 68th 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. | 0.51% | 0.94% | -0.43% | 45th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.32% | 0.70% | -0.38% | 49th below |
| NCO / Avg Loans | 0.57% | 0.16% | +0.41% | 5th bottom |
| ACL / Total Loans | 1.82% | 1.28% | +0.54% | 90th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 352.88% | 1539.28% | -1186.40% | 64th above |
| Texas Ratio | 3.43% | 7.33% | -3.90% | 51st above |
| Provision / NCO | -19.37% | 1396.50% | -1415.87% | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.98% | 19.51% | -6.53% | 28th below |
| Tier 1 Ratio | 12.98% | 19.54% | -6.56% | 28th below |
| Total Capital Ratio | 14.23% | 20.63% | -6.40% | 29th below |
| Leverage Ratio | 9.86% | 12.14% | -2.28% | 28th below |
| Equity / Assets | 8.81% | 11.38% | -2.57% | 24th bottom |
| TCE / Tangible Assets | 8.29% | 11.09% | -2.80% | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.39% | 80.64% | -11.25% | 71st above |
| Core Deposit Ratio | 90.52% | 86.86% | +3.66% | 58th above |
| Wholesale Funding Ratio | 0.19% | 5.04% | -4.85% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.55% | 6.86% | -6.31% | 22nd bottom |
| Loan Growth (Y/Y) | -0.35% | 7.91% | -8.26% | 21st bottom |
| Deposit Growth (Y/Y) | 2.90% | 6.29% | -3.39% | 42nd below |
See Osgood Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Osgood 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 Osgood Bank profile, how to read a UBPR, or how this data updates.