Putnam County State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Putnam County State Bank of Unionville, 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 | 1.90% | 1.34% | +0.56% | 82nd top |
| ROAE | 14.32% | 13.31% | +1.01% | 62nd above |
| Net Interest Margin | 3.46% | 3.93% | -0.47% | 26th below |
| Efficiency Ratio | 30.90% | 61.15% | -30.25% | 99th top |
| PPNR / Avg Assets | 2.48% | 1.68% | +0.80% | 89th top |
| Yield on Earning Assets | 5.95% | 5.67% | +0.28% | 66th above |
| Cost of Funds | 2.78% | 1.88% | +0.90% | 9th bottom |
| Net Interest Spread | 2.55% | 3.32% | -0.77% | 15th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 82nd top |
| ACL / Total Loans | 1.38% | 1.28% | +0.10% | 70th above |
| Texas Ratio | 3.18% | 7.33% | -4.15% | 52nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.52% | 12.14% | +1.38% | 78th top |
| Equity / Assets | 13.43% | 11.37% | +2.06% | 81st top |
| TCE / Tangible Assets | 13.43% | 11.09% | +2.34% | 83rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.31% | 80.64% | +5.67% | 37th below |
| Core Deposit Ratio | 82.19% | 86.86% | -4.67% | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.56% | 6.85% | +3.71% | 84th top |
| Loan Growth (Y/Y) | 4.72% | 7.90% | -3.18% | 46th below |
| Deposit Growth (Y/Y) | 11.59% | 6.29% | +5.30% | 87th top |
See Putnam County State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Putnam County State 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 Putnam County State Bank profile, how to read a UBPR, or how this data updates.