Stone Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Stone Bank of Mountain View, AR against its peer group of 2757 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 | 1.47% | 1.25% | +0.22% | 60th above |
| ROAE | 18.94% | 12.22% | +6.72% | 83rd top |
| Net Interest Margin | 2.97% | 3.95% | -0.98% | 8th bottom |
| Efficiency Ratio | 54.77% | 63.71% | -8.94% | 69th above |
| PPNR / Avg Assets | 2.18% | — | — | 79th top |
| Yield on Earning Assets | 6.16% | 5.67% | +0.49% | 75th top |
| Cost of Funds | 3.28% | 1.87% | +1.41% | 3rd bottom |
| Net Interest Spread | 2.68% | — | — | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.04% | 0.88% | +0.16% | 27th below |
| NPA / Total Assets | 1.52% | — | — | 12th bottom |
| NCO / Avg Loans | 0.25% | 0.15% | +0.10% | 10th bottom |
| ACL / Total Loans | 1.41% | — | — | 73rd above |
| ACL / NPLs (Coverage) | 136.62% | — | — | 37th below |
| Texas Ratio | 15.13% | 5.96% | +9.17% | 9th bottom |
| Provision / NCO | 136.84% | — | — | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.40% | 17.18% | -6.78% | 5th bottom |
| Tier 1 Ratio | 10.40% | 17.21% | -6.81% | 4th bottom |
| Total Capital Ratio | 11.65% | — | — | 5th bottom |
| Leverage Ratio | 8.37% | 11.75% | -3.38% | 5th bottom |
| Equity / Assets | 7.88% | 10.98% | -3.10% | 12th bottom |
| TCE / Tangible Assets | 7.73% | — | — | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.49% | 80.44% | +18.05% | 13th bottom |
| Core Deposit Ratio | 85.49% | 86.95% | -1.46% | 32nd below |
| Wholesale Funding Ratio | 11.36% | — | — | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.80% | — | — | 78th top |
| Loan Growth (Y/Y) | 9.16% | — | — | 70th above |
| Deposit Growth (Y/Y) | 9.72% | — | — | 81st top |
See Stone Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Stone 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 Stone Bank 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 Stone Bank peer analysis.