Queensborough National Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Queensborough National Bank & Trust Company of Louisville, GA against its peer group of 927 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 | 1.11% | 1.46% | -0.35% | 38th below |
| ROAE | 14.09% | 12.69% | +1.40% | 63rd above |
| Net Interest Margin | 3.90% | 3.85% | +0.05% | 63rd above |
| Efficiency Ratio | 64.25% | 57.39% | +6.86% | 33rd below |
| PPNR / Avg Assets | 1.60% | 1.88% | -0.28% | 42nd below |
| Yield on Earning Assets | 5.34% | 5.72% | -0.38% | 38th below |
| Cost of Funds | 1.57% | 2.02% | -0.45% | 77th top |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.12% | 3.18% | -0.06% | 54th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.34% | 1.00% | -0.66% | 69th above |
| NPA / Total Assets | 0.21% | 0.76% | -0.55% | 75th top |
| NCO / Avg Loans | 0.03% | 0.43% | -0.40% | 50th above |
| ACL / Total Loans | 1.00% | 1.31% | -0.31% | 30th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 292.38% | 564.60% | -272.22% | 69th above |
| Texas Ratio | 4.36% | 7.39% | -3.03% | 54th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 490.88% | 618.68% | -127.80% | 76th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.36% | 17.34% | -4.98% | 31st below |
| Tier 1 Ratio | 12.36% | 17.37% | -5.01% | 31st below |
| Total Capital Ratio | 13.35% | 18.42% | -5.07% | 29th below |
| Leverage Ratio | 8.64% | 11.44% | -2.80% | 6th bottom |
| Equity / Assets | 7.88% | 11.34% | -3.46% | 6th bottom |
| TCE / Tangible Assets | 7.75% | 10.50% | -2.75% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.32% | 86.97% | -18.65% | 87th top |
| Core Deposit Ratio | 95.21% | 85.55% | +9.66% | 86th top |
| Uninsured Deposit Ratio | 41.00% | 33.12% | +7.88% | 24th bottom |
| Wholesale Funding Ratio | 0.92% | 5.70% | -4.78% | 82nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.68% | 9.68% | -4.00% | 53rd above |
| Loan Growth (Y/Y) | 10.36% | 8.06% | +2.30% | 74th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.24% | 7.88% | -1.64% | 59th above |
See Queensborough National Bank & Trust Company's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Queensborough National Bank & Trust Company, 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 Queensborough National Bank & Trust Company profile, how to read a UBPR, or how this data updates.