Pineland Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pineland Bank of Alma, GA 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 | 1.68% | 1.34% | +0.34% | 73rd above |
| ROAE | 16.43% | 13.31% | +3.12% | 73rd above |
| Net Interest Margin | 5.13% | 3.93% | +1.20% | 94th top |
| Efficiency Ratio | 57.33% | 61.14% | -3.81% | 62nd above |
| PPNR / Avg Assets | 2.31% | 1.68% | +0.63% | 84th top |
| Yield on Earning Assets | 6.30% | 5.67% | +0.63% | 81st top |
| Cost of Funds | 1.25% | 1.88% | -0.63% | 82nd top |
| Net Interest Spread | 4.38% | 3.32% | +1.06% | 93rd 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. | 0.36% | 0.70% | -0.34% | 46th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 48th below |
| ACL / Total Loans | 1.74% | 1.28% | +0.46% | 88th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 339.73% | 1539.43% | -1199.70% | 63rd above |
| Texas Ratio | 3.21% | 7.33% | -4.12% | 52nd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 245.09% | 1396.50% | -1151.41% | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.48% | 12.14% | -1.66% | 41st below |
| Equity / Assets | 10.11% | 11.38% | -1.27% | 46th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.11% | 11.09% | -0.98% | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.55% | 80.64% | -1.09% | 52nd above |
| Core Deposit Ratio | 92.57% | 86.86% | +5.71% | 71st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.14% | 6.85% | -3.71% | 41st below |
| Loan Growth (Y/Y) | 5.12% | 7.90% | -2.78% | 49th below |
| Deposit Growth (Y/Y) | 2.06% | 6.29% | -4.23% | 36th below |
See Pineland Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pineland 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 Pineland Bank profile, how to read a UBPR, or how this data updates.