Promiseone Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Promiseone Bank of Duluth, 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 | 1.55% | 1.34% | +0.21% | 66th above |
| ROAE | 18.97% | 13.31% | +5.66% | 83rd top |
| Net Interest Margin | 3.25% | 3.93% | -0.68% | 18th bottom |
| Efficiency Ratio | 56.01% | 61.14% | -5.13% | 66th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.64% | 1.68% | -0.04% | 53rd above |
| Yield on Earning Assets | 5.91% | 5.67% | +0.24% | 64th above |
| Cost of Funds | 2.90% | 1.88% | +1.02% | 7th bottom |
| Net Interest Spread | 2.41% | 3.32% | -0.91% | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.98% | 0.94% | +0.04% | 29th below |
| NPA / Total Assets | 0.84% | 0.70% | +0.14% | 25th below |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 73rd above |
| ACL / Total Loans | 0.96% | 1.28% | -0.32% | 22nd bottom |
| ACL / NPLs (Coverage) | 98.12% | 1539.91% | -1441.79% | 27th below |
| Texas Ratio | 9.13% | 7.33% | +1.80% | 24th bottom |
| Provision / NCO | 55.56% | 1397.09% | -1341.53% | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.70% | 19.51% | -3.81% | 55th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.70% | 19.54% | -3.84% | 55th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.82% | 20.63% | -3.81% | 55th above |
| Leverage Ratio | 10.12% | 12.14% | -2.02% | 34th below |
| Equity / Assets | 8.58% | 11.38% | -2.80% | 21st bottom |
| TCE / Tangible Assets | 8.45% | 11.10% | -2.65% | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.54% | 80.63% | +3.91% | 41st below |
| Core Deposit Ratio | 72.76% | 86.87% | -14.11% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.31% | 6.86% | -7.17% | 18th bottom |
| Loan Growth (Y/Y) | 2.46% | 7.91% | -5.45% | 33rd below |
| Deposit Growth (Y/Y) | -1.08% | 6.29% | -7.37% | 18th bottom |
See Promiseone Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Promiseone 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 Promiseone Bank profile, how to read a UBPR, or how this data updates.