Phelps County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Phelps County Bank of Rolla, MO 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 | 1.32% | 1.25% | +0.07% | 53rd above |
| ROAE | 16.86% | 12.22% | +4.64% | 74th above |
| Net Interest Margin | 4.23% | 3.95% | +0.28% | 66th above |
| Efficiency Ratio | 71.43% | 63.71% | +7.72% | 24th bottom |
| PPNR / Avg Assets | 1.42% | — | — | 39th below |
| Yield on Earning Assets | 5.55% | 5.67% | -0.12% | 47th below |
| Cost of Funds | 1.41% | 1.87% | -0.46% | 74th above |
| Net Interest Spread | 3.83% | — | — | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.16% | 0.88% | +0.28% | 24th bottom |
| NPA / Total Assets | 0.88% | — | — | 23rd bottom |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 84th top |
| ACL / Total Loans | 0.95% | — | — | 21st bottom |
| ACL / NPLs (Coverage) | 81.90% | — | — | 21st bottom |
| Texas Ratio | 10.28% | 5.96% | +4.32% | 17th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.03% | 17.18% | -4.15% | 28th below |
| Tier 1 Ratio | 13.03% | 17.21% | -4.18% | 28th below |
| Total Capital Ratio | 14.13% | — | — | 27th below |
| Leverage Ratio | 8.88% | 11.75% | -2.87% | 10th bottom |
| Equity / Assets | 7.81% | 10.98% | -3.17% | 11th bottom |
| TCE / Tangible Assets | 7.81% | — | — | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.15% | 80.44% | +2.71% | 45th below |
| Core Deposit Ratio | 95.01% | 86.95% | +8.06% | 84th top |
| Wholesale Funding Ratio | 0.71% | — | — | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.71% | — | — | 88th top |
| Loan Growth (Y/Y) | 10.87% | — | — | 76th top |
| Deposit Growth (Y/Y) | 14.56% | — | — | 90th top |
See Phelps County Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Phelps County 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 Phelps County 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 Phelps County Bank peer analysis.