Rhinebeck Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Rhinebeck Bank of Rhinebeck, NY against its peer group of 931 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 | 0.90% | 1.46% | -0.56% | 24th bottom |
| ROAE | 8.71% | 12.72% | -4.01% | 24th bottom |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.75% | 3.85% | -0.10% | 53rd above |
| Efficiency Ratio | 72.00% | 57.40% | +14.60% | 17th bottom |
| PPNR / Avg Assets | 1.13% | 1.88% | -0.75% | 20th bottom |
| Yield on Earning Assets | 5.47% | 5.72% | -0.25% | 46th below |
| Cost of Funds | 1.86% | 2.02% | -0.16% | 58th above |
| Net Interest Spread | 3.29% | 3.18% | +0.11% | 65th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.38% | 1.00% | -0.62% | 67th above |
| NPA / Total Assets | 0.24% | 0.76% | -0.52% | 72nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.43% | -0.39% | 43rd below |
| ACL / Total Loans | 0.83% | 1.31% | -0.48% | 15th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 220.74% | 543.54% | -322.80% | 59th above |
| Texas Ratio | 2.42% | 7.39% | -4.97% | 73rd above |
| Provision / NCO | -1.23% | 619.02% | -620.25% | 8th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.61% | 17.34% | -2.73% | 66th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.61% | 17.37% | -2.76% | 66th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.41% | 18.42% | -3.01% | 63rd above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.93% | 11.44% | -0.51% | 59th above |
| Equity / Assets | 9.45% | 11.34% | -1.89% | 31st below |
| TCE / Tangible Assets | 9.31% | 10.50% | -1.19% | 39th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.09% | 86.96% | -15.87% | 84th top |
| Core Deposit Ratio | 91.91% | 85.55% | +6.36% | 68th above |
| Uninsured Deposit Ratio | 36.49% | 33.12% | +3.37% | 36th below |
| Wholesale Funding Ratio | 0.35% | 5.71% | -5.36% | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 15.37% | 9.68% | +5.69% | 88th top |
| Loan Growth (Y/Y) | -4.42% | 8.06% | -12.48% | 6th bottom |
| Deposit Growth (Y/Y) | 19.31% | 7.86% | +11.45% | 90th top |
See Rhinebeck Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Rhinebeck 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 Rhinebeck Bank profile, how to read a UBPR, or how this data updates.