Premier Bank of the South: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Premier Bank of the South of Cullman, AL 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 | 1.15% | 1.34% | -0.19% | 42nd below |
| ROAE | 13.46% | 13.32% | +0.14% | 57th above |
| Net Interest Margin | 4.17% | 3.93% | +0.24% | 63rd above |
| Efficiency Ratio | 73.74% | 61.13% | +12.61% | 21st bottom |
| PPNR / Avg Assets | 1.27% | 1.68% | -0.41% | 32nd below |
| Yield on Earning Assets | 5.45% | 5.67% | -0.22% | 42nd below |
| Cost of Funds | 1.37% | 1.88% | -0.51% | 76th top |
| Net Interest Spread | 3.55% | 3.32% | +0.23% | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.10% | 0.94% | -0.84% | 73rd above |
| NPA / Total Assets | 0.06% | 0.70% | -0.64% | 76th top |
| NCO / Avg Loans | -0.47% | 0.16% | -0.63% | 99th top |
| ACL / Total Loans | 1.13% | 1.28% | -0.15% | 42nd below |
| ACL / NPLs (Coverage) | 1182.43% | 1546.26% | -363.83% | — |
| Texas Ratio | 0.65% | 7.34% | -6.69% | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.07% | 19.49% | -3.42% | 58th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.07% | 19.52% | -3.45% | 57th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.29% | 20.61% | -3.32% | 59th above |
| Leverage Ratio | 9.37% | 12.14% | -2.77% | 19th bottom |
| Equity / Assets | 8.53% | 11.37% | -2.84% | 20th bottom |
| TCE / Tangible Assets | 8.53% | 11.08% | -2.55% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.76% | 80.67% | -11.91% | 72nd above |
| Core Deposit Ratio | 95.88% | 86.85% | +9.03% | 88th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.01% | 6.84% | -5.83% | 26th below |
| Loan Growth (Y/Y) | 10.50% | 7.92% | +2.58% | 75th top |
| Deposit Growth (Y/Y) | 0.53% | 6.29% | -5.76% | 26th below |
See Premier Bank of the South's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Premier Bank of the South, 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 Premier Bank of the South profile, how to read a UBPR, or how this data updates.