The St. Henry Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The St. Henry Bank of Saint Henry, 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 | 2.58% | 1.34% | +1.24% | 95th top |
| ROAE | 23.48% | 13.31% | +10.17% | 94th top |
| Net Interest Margin | 4.12% | 3.93% | +0.19% | 60th above |
| Efficiency Ratio | 37.90% | 61.15% | -23.25% | 97th top |
| PPNR / Avg Assets | 2.59% | 1.68% | +0.91% | 91st top |
| Yield on Earning Assets | 5.16% | 5.67% | -0.51% | 29th below |
| Cost of Funds | 1.13% | 1.88% | -0.75% | 87th top |
| Net Interest Spread | 3.66% | 3.32% | +0.34% | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.10% | 0.94% | -0.84% | 73rd above |
| NPA / Total Assets | 0.06% | 0.70% | -0.64% | 76th top |
| NCO / Avg Loans | -0.32% | 0.16% | -0.48% | 99th top |
| ACL / Total Loans | 1.35% | 1.28% | +0.07% | 68th above |
| ACL / NPLs (Coverage) | 1320.08% | 1538.77% | -218.69% | — |
| Texas Ratio | 0.50% | 7.33% | -6.83% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.61% | 12.14% | +1.47% | 79th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.91% | 11.37% | -0.46% | 58th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.91% | 11.09% | -0.18% | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.48% | 80.64% | -16.16% | 78th top |
| Core Deposit Ratio | 93.09% | 86.86% | +6.23% | 74th above |
| Wholesale Funding Ratio | 0.00% | 5.04% | -5.04% | 100th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -9.33% | 6.86% | -16.19% | 2nd bottom |
| Loan Growth (Y/Y) | 1.79% | 7.91% | -6.12% | 30th below |
| Deposit Growth (Y/Y) | -10.30% | 6.29% | -16.59% | 2nd bottom |
See The St. Henry Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The St. Henry 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 St. Henry Bank profile, how to read a UBPR, or how this data updates.