Surety Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Surety Bank of Deland, FL 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 | 2.39% | 1.25% | +1.14% | 93rd top |
| ROAE | 22.47% | 12.22% | +10.25% | 92nd top |
| Net Interest Margin | 3.69% | 3.95% | -0.26% | 36th below |
| Efficiency Ratio | 54.72% | 63.71% | -8.99% | 70th above |
| PPNR / Avg Assets | 2.64% | — | — | 91st top |
| Yield on Earning Assets | 5.87% | 5.67% | +0.20% | 62nd above |
| Cost of Funds | 1.77% | 1.87% | -0.10% | 52nd above |
| Net Interest Spread | 3.15% | — | — | 40th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.22% | 0.88% | -0.66% | 64th above |
| NPA / Total Assets | 0.11% | — | — | 70th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 81st top |
| ACL / Total Loans | 1.28% | — | — | 59th above |
| ACL / NPLs (Coverage) | 576.65% | — | — | 73rd above |
| Texas Ratio | 0.90% | 5.96% | -5.06% | 70th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 23.84% | 17.18% | +6.66% | 86th top |
| Tier 1 Ratio | 23.84% | 17.21% | +6.63% | 86th top |
| Total Capital Ratio | 24.93% | — | — | 86th top |
| Leverage Ratio | 13.24% | 11.75% | +1.49% | 76th top |
| Equity / Assets | 11.15% | 10.98% | +0.17% | 61st above |
| TCE / Tangible Assets | 11.15% | — | — | 65th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 54.15% | 80.44% | -26.29% | 89th top |
| Core Deposit Ratio | 93.48% | 86.95% | +6.53% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.55% | — | — | 22nd bottom |
| Loan Growth (Y/Y) | 20.07% | — | — | 92nd top |
| Deposit Growth (Y/Y) | -1.79% | — | — | 14th bottom |
See Surety Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Surety 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 Surety 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 Surety Bank peer analysis.