Owingsville Banking Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Owingsville Banking Company of Owingsville, KY 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 | 0.56% | 1.34% | -0.78% | 14th bottom |
| ROAE | 6.13% | 13.31% | -7.18% | 18th bottom |
| Net Interest Margin | 4.24% | 3.93% | +0.31% | 67th above |
| Efficiency Ratio | 80.89% | 61.14% | +19.75% | 13th bottom |
| PPNR / Avg Assets | 0.80% | 1.68% | -0.88% | 15th bottom |
| Yield on Earning Assets | 6.40% | 5.67% | +0.73% | 84th top |
| Cost of Funds | 2.25% | 1.88% | +0.37% | 23rd bottom |
| Net Interest Spread | 3.53% | 3.32% | +0.21% | 61st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 0.94% | -0.88% | 77th top |
| NPA / Total Assets | 0.05% | 0.70% | -0.65% | 78th top |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 83rd top |
| ACL / Total Loans | 1.09% | 1.28% | -0.19% | 37th below |
| ACL / NPLs (Coverage) | 1740.82% | 1538.65% | +202.17% | — |
| Texas Ratio | 2.20% | 7.33% | -5.13% | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.02% | 12.14% | -2.12% | 32nd below |
| Equity / Assets | 8.92% | 11.37% | -2.45% | 26th below |
| TCE / Tangible Assets | 8.92% | 11.09% | -2.17% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.76% | 80.64% | +4.12% | 41st below |
| Core Deposit Ratio | 91.70% | 86.86% | +4.84% | 65th above |
| Wholesale Funding Ratio | 1.11% | 5.03% | -3.92% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.20% | 6.85% | -2.65% | 48th below |
| Loan Growth (Y/Y) | 5.07% | 7.90% | -2.83% | 48th below |
| Deposit Growth (Y/Y) | 3.64% | 6.29% | -2.65% | 47th below |
See Owingsville Banking Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Owingsville Banking Company, 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 Owingsville Banking Company profile, how to read a UBPR, or how this data updates.