Progressive Ozark Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Progressive Ozark Bank of Salem, MO 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 | 2.47% | 1.34% | +1.13% | 94th top |
| ROAE | 25.88% | 13.31% | +12.57% | 96th top |
| Net Interest Margin | 5.63% | 3.93% | +1.70% | 98th top |
| Efficiency Ratio | 65.60% | 61.14% | +4.46% | 38th below |
| PPNR / Avg Assets | 2.09% | 1.68% | +0.41% | 76th top |
| Yield on Earning Assets | 6.56% | 5.67% | +0.89% | 88th top |
| Cost of Funds | 0.97% | 1.88% | -0.91% | 92nd top |
| Net Interest Spread | 5.31% | 3.32% | +1.99% | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.41% | 0.94% | -0.53% | 50th above |
| NPA / Total Assets | 1.51% | 0.70% | +0.81% | 12th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 30th below |
| ACL / Total Loans | 1.09% | 1.28% | -0.19% | 37th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 264.49% | 1538.93% | -1274.44% | 56th above |
| Texas Ratio | 14.34% | 7.33% | +7.01% | 13th bottom |
| Provision / NCO | -931.58% | 1396.14% | -2327.72% | 2nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.45% | 19.50% | -6.05% | 33rd below |
| Tier 1 Ratio | 13.45% | 19.54% | -6.09% | 33rd below |
| Total Capital Ratio | 14.69% | 20.62% | -5.93% | 34th below |
| Leverage Ratio | 9.78% | 12.14% | -2.36% | 27th below |
| Equity / Assets | 9.64% | 11.37% | -1.73% | 38th below |
| TCE / Tangible Assets | 9.64% | 11.09% | -1.45% | 42nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.42% | 80.63% | +10.79% | 25th below |
| Core Deposit Ratio | 97.73% | 86.86% | +10.87% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.28% | 6.85% | -4.57% | 34th below |
| Loan Growth (Y/Y) | 1.07% | 7.90% | -6.83% | 27th below |
| Deposit Growth (Y/Y) | 1.64% | 6.29% | -4.65% | 33rd below |
See Progressive Ozark Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Progressive Ozark 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 Progressive Ozark Bank profile, how to read a UBPR, or how this data updates.