SmartBank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks SmartBank of Pigeon Forge, TN against its peer group of 941 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 | 1.21% | 1.34% | -0.13% | 44th below |
| ROAE | 11.07% | 12.34% | -1.27% | 39th below |
| Net Interest Margin | 3.62% | 3.83% | -0.21% | 43rd below |
| Efficiency Ratio | 57.23% | 58.97% | -1.74% | 53rd above |
| PPNR / Avg Assets | 1.63% | — | — | 42nd below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.65% | 5.71% | -0.06% | 57th above |
| Cost of Funds | 2.15% | 2.02% | +0.13% | 40th below |
| Net Interest Spread | 3.07% | — | — | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.24% | 0.87% | -0.63% | 74th above |
| NPA / Total Assets | 0.19% | — | — | 74th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.43% | -0.38% | 42nd below |
| ACL / Total Loans | 0.96% | — | — | 26th below |
| ACL / NPLs (Coverage) | 394.35% | — | — | 72nd above |
| Texas Ratio | 1.89% | 5.48% | -3.59% | 71st above |
| Provision / NCO | 265.04% | — | — | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.38% | 14.99% | -3.61% | 15th bottom |
| Tier 1 Ratio | 11.38% | 15.02% | -3.64% | 15th bottom |
| Total Capital Ratio | 12.30% | — | — | 13th bottom |
| Leverage Ratio | 9.86% | 11.11% | -1.25% | 33rd below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.77% | 11.02% | -0.25% | 56th above |
| TCE / Tangible Assets | 9.36% | — | — | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 87.00% | 86.99% | +0.01% | 53rd above |
| Core Deposit Ratio | 88.69% | 85.57% | +3.12% | 52nd above |
| Uninsured Deposit Ratio | 47.93% | 33.19% | +14.74% | 11th bottom |
| Wholesale Funding Ratio | 0.01% | — | — | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.32% | — | — | 79th top |
| Loan Growth (Y/Y) | 13.63% | — | — | 82nd top |
| Deposit Growth (Y/Y) | 10.62% | — | — | 76th top |
See SmartBank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock SmartBank, 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 SmartBank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the SmartBank peer analysis.