The Sherwood State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Sherwood State Bank of Sherwood, OH 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 | 0.85% | 1.34% | -0.49% | 25th below |
| ROAE | 7.24% | 13.31% | -6.07% | 22nd bottom |
| Net Interest Margin | 4.66% | 3.93% | +0.73% | 85th top |
| Efficiency Ratio | 76.44% | 61.14% | +15.30% | 17th bottom |
| PPNR / Avg Assets | 1.08% | 1.68% | -0.60% | 24th bottom |
| Yield on Earning Assets | 6.01% | 5.67% | +0.34% | 69th above |
| Cost of Funds | 1.48% | 1.88% | -0.40% | 71st above |
| Net Interest Spread | 4.11% | 3.32% | +0.79% | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.36% | 0.94% | +1.42% | 10th bottom |
| NPA / Total Assets | 1.77% | 0.70% | +1.07% | 9th bottom |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 91st top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.28% | -0.06% | 53rd above |
| ACL / NPLs (Coverage) | 51.71% | 1538.84% | -1487.13% | 11th bottom |
| Texas Ratio | 13.92% | 7.33% | +6.59% | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.32% | 12.14% | +0.18% | 68th above |
| Equity / Assets | 11.79% | 11.37% | +0.42% | 69th above |
| TCE / Tangible Assets | 11.79% | 11.09% | +0.70% | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.54% | 80.64% | +8.90% | 29th below |
| Core Deposit Ratio | 92.51% | 86.86% | +5.65% | 71st above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.04% | 5.03% | -0.99% | 45th below |
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. | 4.40% | 6.85% | -2.45% | 50th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.33% | 7.90% | -2.57% | 50th above |
| Deposit Growth (Y/Y) | 7.02% | 6.29% | +0.73% | 71st above |
See The Sherwood State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Sherwood 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 The Sherwood State Bank profile, how to read a UBPR, or how this data updates.