Town & Country Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Town & Country Bank of Ravenna, NE against its peer group of 2603 similarly-sized US banks as of Q3 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 | 2.01% | 1.25% | +0.76% | 80th top |
| ROAE | 16.67% | 13.21% | +3.46% | 62nd above |
| Net Interest Margin | 4.39% | 3.95% | +0.44% | 73rd above |
| Efficiency Ratio | 44.45% | 61.29% | -16.84% | 87th top |
| PPNR / Avg Assets | 2.47% | — | — | 84th top |
| Yield on Earning Assets | 5.92% | 5.68% | +0.24% | 68th above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.79% | 1.88% | -0.09% | 43rd below |
| Net Interest Spread | 3.79% | — | — | 72nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.93% | -0.93% | 87th top |
| NPA / Total Assets | 0.00% | — | — | 87th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 60th above |
| ACL / Total Loans | 1.21% | — | — | 49th below |
| ACL / NPLs (Coverage) | 39180.00% | — | — | — |
| Texas Ratio | 0.21% | 7.37% | -7.16% | 85th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.18% | 11.73% | +2.45% | 77th top |
| Equity / Assets | 12.18% | 10.97% | +1.21% | 73rd above |
| TCE / Tangible Assets | 12.18% | — | — | 75th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.83% | 80.71% | +7.12% | 23rd bottom |
| Core Deposit Ratio | 90.25% | 86.89% | +3.36% | 54th above |
| Wholesale Funding Ratio | 8.51% | — | — | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.27% | — | — | 47th below |
| Loan Growth (Y/Y) | 10.17% | — | — | 75th top |
| Deposit Growth (Y/Y) | -6.57% | — | — | 5th bottom |
See Town & Country Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Town & Country 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 Town & Country Bank profile, how to read a UBPR, or how this data updates.