Preferred Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Preferred Bank of Rothville, 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 | 1.20% | 1.25% | -0.05% | 44th below |
| ROAE | 27.53% | 12.22% | +15.31% | 97th top |
| Net Interest Margin | 3.59% | 3.95% | -0.36% | 31st below |
| Efficiency Ratio | 65.67% | 63.71% | +1.96% | 37th below |
| PPNR / Avg Assets | 1.19% | — | — | 27th below |
| Yield on Earning Assets | 4.44% | 5.67% | -1.23% | 7th bottom |
| Cost of Funds | 0.89% | 1.87% | -0.98% | 94th top |
| Net Interest Spread | 3.17% | — | — | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.18% | 0.88% | -0.70% | 67th above |
| NPA / Total Assets | 0.08% | — | — | 73rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 29th below |
| ACL / Total Loans | 0.82% | — | — | 11th bottom |
| ACL / NPLs (Coverage) | 457.14% | — | — | 68th above |
| Texas Ratio | 1.76% | 5.96% | -4.20% | 60th above |
| Provision / NCO | -60.00% | — | — | 4th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 17.71% | 17.18% | +0.53% | 68th above |
| Tier 1 Ratio | 17.71% | 17.21% | +0.50% | 68th above |
| Total Capital Ratio | 18.62% | — | — | 66th above |
| Leverage Ratio | 7.56% | 11.75% | -4.19% | 1st bottom |
| Equity / Assets | 4.43% | 10.98% | -6.55% | 1st bottom |
| TCE / Tangible Assets | 4.36% | — | — | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 49.49% | 80.44% | -30.95% | 92nd top |
| Core Deposit Ratio | 98.08% | 86.95% | +11.13% | 96th top |
| Wholesale Funding Ratio | 1.56% | — | — | 74th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.01% | — | — | 25th below |
| Loan Growth (Y/Y) | 7.77% | — | — | 63rd above |
| Deposit Growth (Y/Y) | -1.67% | — | — | 14th bottom |
See Preferred Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Preferred 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 Preferred 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 Preferred Bank peer analysis.