Pendleton Community Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pendleton Community Bank, Inc. of Franklin, WV 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 | 1.22% | 1.34% | -0.12% | 47th below |
| ROAE | 14.21% | 13.31% | +0.90% | 62nd above |
| Net Interest Margin | 4.48% | 3.93% | +0.55% | 78th top |
| Efficiency Ratio Behind the peer average, ahead of the median peer. | 61.36% | 61.14% | +0.22% | 50th above |
| PPNR / Avg Assets | 1.81% | 1.68% | +0.13% | 63rd above |
| Yield on Earning Assets | 6.05% | 5.67% | +0.38% | 71st above |
| Cost of Funds | 1.68% | 1.88% | -0.20% | 58th above |
| Net Interest Spread | 3.90% | 3.32% | +0.58% | 80th top |
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. | 0.44% | 0.70% | -0.26% | 41st below |
| NCO / Avg Loans | 0.19% | 0.16% | +0.03% | 13th bottom |
| ACL / Total Loans | 0.86% | 1.28% | -0.42% | 14th bottom |
| ACL / NPLs (Coverage) | 167.92% | 1539.91% | -1371.99% | 43rd below |
| Texas Ratio | 8.35% | 7.33% | +1.02% | 27th below |
| Provision / NCO | 99.22% | 1397.11% | -1297.89% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.58% | 19.51% | -8.93% | 5th bottom |
| Tier 1 Ratio | 10.58% | 19.55% | -8.97% | 5th bottom |
| Total Capital Ratio | 11.48% | 20.63% | -9.15% | 4th bottom |
| Leverage Ratio | 8.67% | 12.14% | -3.47% | 8th bottom |
| Equity / Assets | 8.59% | 11.38% | -2.79% | 21st bottom |
| TCE / Tangible Assets | 7.97% | 11.10% | -3.13% | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.04% | 80.62% | +18.42% | 13th bottom |
| Core Deposit Ratio | 93.74% | 86.85% | +6.89% | 78th top |
| Wholesale Funding Ratio | 5.46% | 5.03% | +0.43% | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.55% | 6.85% | +0.70% | 72nd above |
| Loan Growth (Y/Y) | 10.26% | 7.90% | +2.36% | 74th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.42% | 6.29% | -1.87% | 53rd above |
See Pendleton Community Bank, Inc.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pendleton Community Bank, Inc., 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 Pendleton Community Bank, Inc. profile, how to read a UBPR, or how this data updates.