The State Exchange Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The State Exchange Bank of Lamont, OK against its peer group of 506 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 Behind the peer average, ahead of the median peer. | 1.79% | 3.13% | -1.34% | 78th top |
| ROAE | 16.90% | 10.28% | +6.62% | 85th top |
| Net Interest Margin | 4.18% | 3.94% | +0.24% | 63rd above |
| Efficiency Ratio | 60.36% | 76.35% | -15.99% | 69th above |
| PPNR / Avg Assets | 1.79% | 1.40% | +0.39% | 72nd above |
| Yield on Earning Assets | 6.68% | 5.35% | +1.33% | 90th top |
| Cost of Funds | 2.74% | 1.70% | +1.04% | 12th bottom |
| Net Interest Spread | 3.33% | 3.32% | +0.01% | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.75% | 1.33% | +3.42% | 5th bottom |
| NPA / Total Assets | 3.32% | 0.71% | +2.61% | 4th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.10% | -0.08% | 24th bottom |
| ACL / Total Loans | 2.84% | 1.49% | +1.35% | 92nd top |
| ACL / NPLs (Coverage) | 59.72% | 868.13% | -808.41% | 23rd bottom |
| Texas Ratio | 37.45% | 8.19% | +29.26% | 4th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 106.38% | 291.08% | -184.70% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.65% | 17.66% | -7.01% | 25th below |
| Equity / Assets | 10.88% | 16.46% | -5.58% | 35th below |
| TCE / Tangible Assets | 10.88% | 16.21% | -5.33% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.80% | 72.82% | +6.98% | 31st below |
| Core Deposit Ratio | 73.19% | 88.31% | -15.12% | 6th bottom |
| Wholesale Funding Ratio | 1.12% | 5.20% | -4.08% | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.97% | 4.28% | -10.25% | 10th bottom |
| Loan Growth (Y/Y) | -16.66% | 6.81% | -23.47% | 3rd bottom |
| Deposit Growth (Y/Y) | -7.50% | 3.75% | -11.25% | 7th bottom |
See The State Exchange Bank's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The State Exchange 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 State Exchange Bank profile, how to read a UBPR, or how this data updates.