Superior National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Superior National Bank of Hancock, MI against its peer group of 931 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 | 1.24% | 1.46% | -0.22% | 46th below |
| ROAE | 11.10% | 12.72% | -1.62% | 42nd below |
| Net Interest Margin | 3.86% | 3.85% | +0.01% | 60th above |
| Efficiency Ratio | 64.52% | 57.40% | +7.12% | 32nd below |
| PPNR / Avg Assets | 1.64% | 1.88% | -0.24% | 44th below |
| Yield on Earning Assets | 5.46% | 5.72% | -0.26% | 46th below |
| Cost of Funds | 1.71% | 2.02% | -0.31% | 69th above |
| Net Interest Spread | 3.30% | 3.18% | +0.12% | 65th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.44% | 1.00% | +0.44% | 19th bottom |
| NPA / Total Assets | 1.03% | 0.76% | +0.27% | 23rd bottom |
| NCO / Avg Loans | -0.02% | 0.43% | -0.45% | 93rd top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.20% | 1.31% | -0.11% | 58th above |
| ACL / NPLs (Coverage) | 82.93% | 543.54% | -460.61% | 22nd bottom |
| Texas Ratio | 9.84% | 7.39% | +2.45% | 24th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 352.71% | 618.73% | -266.02% | 71st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.27% | 17.34% | -0.07% | 84th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.27% | 17.37% | -0.10% | 84th top |
| Total Capital Ratio | 18.47% | 18.42% | +0.05% | 84th top |
| Leverage Ratio | 11.70% | 11.44% | +0.26% | 73rd above |
| Equity / Assets | 11.55% | 11.33% | +0.22% | 69th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.84% | 10.50% | -0.66% | 52nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.06% | 86.96% | -9.90% | 75th top |
| Core Deposit Ratio | 91.77% | 85.55% | +6.22% | 67th above |
| Uninsured Deposit Ratio | 26.09% | 33.13% | -7.04% | 69th above |
| Wholesale Funding Ratio | 2.88% | 5.71% | -2.83% | 59th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.21% | 9.68% | -5.47% | 43rd below |
| Loan Growth (Y/Y) | 0.13% | 8.06% | -7.93% | 18th bottom |
| Deposit Growth (Y/Y) | 4.68% | 7.87% | -3.19% | 49th below |
See Superior National Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Superior National 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 Superior National Bank profile, how to read a UBPR, or how this data updates.