Pathway Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pathway Bank of Cairo, NE against its peer group of 2757 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 | 1.56% | 1.25% | +0.31% | 66th above |
| ROAE | 13.42% | 12.22% | +1.20% | 55th above |
| Net Interest Margin | 3.30% | 3.95% | -0.65% | 19th bottom |
| Efficiency Ratio | 57.84% | 63.71% | -5.87% | 60th above |
| PPNR / Avg Assets | 1.56% | — | — | 48th below |
| Yield on Earning Assets | 5.86% | 5.67% | +0.19% | 62nd above |
| Cost of Funds | 2.82% | 1.87% | +0.95% | 8th bottom |
| Net Interest Spread | 2.76% | — | — | 22nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.85% | 0.88% | +2.97% | 4th bottom |
| NPA / Total Assets | 2.75% | — | — | 4th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 32nd below |
| ACL / Total Loans | 1.47% | — | — | 76th top |
| ACL / NPLs (Coverage) | 38.10% | — | — | 6th bottom |
| Texas Ratio | 20.92% | 5.96% | +14.96% | 5th bottom |
| Provision / NCO | 0.00% | — | — | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.43% | 11.75% | +0.68% | 69th above |
| Equity / Assets | 12.13% | 10.98% | +1.15% | 72nd above |
| TCE / Tangible Assets | 12.11% | — | — | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.42% | 80.44% | +17.98% | 13th bottom |
| Core Deposit Ratio | 78.87% | 86.95% | -8.08% | 14th bottom |
| Wholesale Funding Ratio | 14.34% | — | — | 6th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.76% | — | — | 11th bottom |
| Loan Growth (Y/Y) | 1.49% | — | — | 28th below |
| Deposit Growth (Y/Y) | 1.59% | — | — | 32nd below |
See Pathway Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pathway 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 Pathway Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Pathway Bank peer analysis.