Thayer County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Thayer County Bank of Hebron, NE against its peer group of 578 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 | 1.19% | 0.85% | +0.34% | 57th above |
| ROAE | 11.47% | 5.23% | +6.24% | 65th above |
| Net Interest Margin | 3.73% | 3.94% | -0.21% | 42nd below |
| Efficiency Ratio | 59.42% | 74.96% | -15.54% | 71st above |
| PPNR / Avg Assets | 1.41% | — | — | 57th above |
| Yield on Earning Assets | 5.46% | 5.42% | +0.04% | 61st above |
| Cost of Funds | 2.37% | 1.69% | +0.68% | 17th bottom |
| Net Interest Spread | 3.05% | — | — | 36th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.93% | 1.34% | +0.59% | 19th bottom |
| NPA / Total Assets | 1.12% | — | — | 18th bottom |
| NCO / Avg Loans | -0.16% | 0.11% | -0.27% | 94th top |
| ACL / Total Loans | 1.35% | — | — | 59th above |
| ACL / NPLs (Coverage) | 69.63% | — | — | 29th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 1.58% | 7.23% | -5.65% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.02% | 14.13% | -1.11% | 49th below |
| Equity / Assets | 10.81% | 13.07% | -2.26% | 33rd below |
| TCE / Tangible Assets | 10.81% | — | — | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.07% | 68.58% | +8.49% | 36th below |
| Core Deposit Ratio | 95.55% | 88.79% | +6.76% | 74th above |
| Wholesale Funding Ratio | 13.19% | — | — | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.54% | — | — | 59th above |
| Loan Growth (Y/Y) | 3.12% | — | — | 52nd above |
| Deposit Growth (Y/Y) | 1.84% | — | — | 46th below |
See Thayer County Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Thayer County 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 Thayer County 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 Thayer County Bank peer analysis.