Studio Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Studio Bank of Nashville, 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 | 0.82% | 1.34% | -0.52% | 18th bottom |
| ROAE | 9.09% | 12.34% | -3.25% | 24th bottom |
| Net Interest Margin | 3.11% | 3.83% | -0.72% | 18th bottom |
| Efficiency Ratio | 65.91% | 58.97% | +6.94% | 27th below |
| PPNR / Avg Assets | 1.10% | — | — | 17th bottom |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.59% | 5.71% | -0.12% | 53rd above |
| Cost of Funds | 2.66% | 2.02% | +0.64% | 16th bottom |
| Net Interest Spread | 2.36% | — | — | 15th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.03% | 0.87% | +0.16% | 26th below |
| NPA / Total Assets | 1.06% | — | — | 19th bottom |
| NCO / Avg Loans | -0.04% | 0.43% | -0.47% | 97th top |
| ACL / Total Loans | 1.16% | — | — | 52nd above |
| ACL / NPLs (Coverage) | 112.91% | — | — | 28th below |
| Texas Ratio | 10.30% | 5.48% | +4.82% | 16th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.45% | 14.99% | -3.54% | 16th bottom |
| Tier 1 Ratio | 11.45% | 15.02% | -3.57% | 16th bottom |
| Total Capital Ratio | 12.63% | — | — | 16th bottom |
| Leverage Ratio | 9.49% | 11.11% | -1.62% | 22nd bottom |
| Equity / Assets | 9.41% | 11.02% | -1.61% | 30th below |
| TCE / Tangible Assets | 9.41% | — | — | 42nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.47% | 86.99% | +1.48% | 49th below |
| Core Deposit Ratio | 68.68% | 85.57% | -16.89% | 8th bottom |
| Uninsured Deposit Ratio | 27.48% | 33.19% | -5.71% | 61st above |
| Wholesale Funding Ratio | 2.98% | — | — | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 24.74% | — | — | 93rd top |
| Loan Growth (Y/Y) | 26.57% | — | — | 94th top |
| Deposit Growth (Y/Y) | 35.51% | — | — | 95th top |
See Studio Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Studio 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 Studio 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 Studio Bank peer analysis.