Peoples Bank of Graceville: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples Bank of Graceville of Graceville, FL against its peer group of 2603 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 | 1.04% | 1.34% | -0.30% | 35th below |
| ROAE | 14.89% | 13.32% | +1.57% | 65th above |
| Net Interest Margin | 2.49% | 3.93% | -1.44% | 3rd bottom |
| Efficiency Ratio Behind the peer average, ahead of the median peer. | 61.34% | 61.13% | +0.21% | 50th above |
| PPNR / Avg Assets | 1.04% | 1.68% | -0.64% | 22nd bottom |
| Yield on Earning Assets | 4.15% | 5.67% | -1.52% | 4th bottom |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.84% | 1.88% | -0.04% | 48th below |
| Net Interest Spread | 1.86% | 3.32% | -1.46% | 3rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.19% | 0.94% | +0.25% | 24th bottom |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.44% | 0.70% | -0.26% | 41st below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 40th below |
| ACL / Total Loans | 0.89% | 1.28% | -0.39% | 16th bottom |
| ACL / NPLs (Coverage) | 74.41% | 1546.30% | -1471.89% | 19th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.67% | 7.34% | -1.67% | 37th below |
| Provision / NCO | 0.00% | 1395.10% | -1395.10% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 30.21% | 19.48% | +10.73% | 93rd top |
| Tier 1 Ratio | 30.21% | 19.52% | +10.69% | 93rd top |
| Total Capital Ratio | 31.22% | 20.60% | +10.62% | 93rd top |
| Leverage Ratio | 10.29% | 12.14% | -1.85% | 38th below |
| Equity / Assets | 7.41% | 11.37% | -3.96% | 9th bottom |
| TCE / Tangible Assets | 7.41% | 11.08% | -3.67% | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 40.09% | 80.67% | -40.58% | 96th top |
| Core Deposit Ratio | 85.35% | 86.85% | -1.50% | 31st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.29% | 6.84% | -2.55% | 49th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.61% | 7.92% | -0.31% | 63rd above |
| Deposit Growth (Y/Y) | 3.31% | 6.29% | -2.98% | 45th below |
See Peoples Bank of Graceville's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoples Bank of Graceville, 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 Peoples Bank of Graceville profile, how to read a UBPR, or how this data updates.