Townbridge Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Townbridge Bank of Pascagoula, MS 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 | 3.45% | 1.43% | +2.02% | 98th top |
| ROAE | 40.93% | 12.47% | +28.46% | 99th top |
| Net Interest Margin | 3.91% | 3.84% | +0.07% | 63rd above |
| Efficiency Ratio | 68.83% | 58.86% | +9.97% | 23rd bottom |
| PPNR / Avg Assets | 3.29% | 1.78% | +1.51% | 97th top |
| Yield on Earning Assets | 5.01% | 5.71% | -0.70% | 21st bottom |
| Cost of Funds | 1.23% | 2.03% | -0.80% | 89th top |
| 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 | 1.94% | 0.96% | +0.98% | 11th bottom |
| NPA / Total Assets | 1.00% | 0.75% | +0.25% | 25th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.31% | -0.25% | 37th below |
| ACL / Total Loans | 1.14% | 1.25% | -0.11% | 48th below |
| ACL / NPLs (Coverage) | 58.68% | 699.55% | -640.87% | 12th bottom |
| Texas Ratio | 11.57% | 7.16% | +4.41% | 19th bottom |
| Provision / NCO | 2996.43% | 811.61% | +2184.82% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.20% | 17.41% | -6.21% | 13th bottom |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.62% | 17.45% | -3.83% | 52nd above |
| Total Capital Ratio | 14.55% | 18.50% | -3.95% | 48th below |
| Leverage Ratio | 8.83% | 11.60% | -2.77% | 9th bottom |
| Equity / Assets | 9.65% | 11.33% | -1.68% | 35th below |
| TCE / Tangible Assets | 6.60% | 10.65% | -4.05% | 3rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.04% | 86.37% | -18.33% | 87th top |
| Core Deposit Ratio | 94.53% | 85.55% | +8.98% | 82nd top |
| Uninsured Deposit Ratio | 22.90% | 32.72% | -9.82% | 77th top |
| Wholesale Funding Ratio | 14.09% | 5.44% | +8.65% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 42.22% | 10.42% | +31.80% | 97th top |
| Loan Growth (Y/Y) | 45.45% | 7.95% | +37.50% | 97th top |
| Deposit Growth (Y/Y) | 56.78% | 7.93% | +48.85% | 98th top |
See Townbridge Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Townbridge 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 Townbridge Bank profile, how to read a UBPR, or how this data updates.