TPNB Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks TPNB Bank of Paris, MO against its peer group of 2672 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 | 1.02% | 1.34% | -0.32% | 34th below |
| ROAE | 7.66% | 13.31% | -5.65% | 24th bottom |
| Net Interest Margin | 3.52% | 3.93% | -0.41% | 28th below |
| Efficiency Ratio | 61.96% | 61.14% | +0.82% | 48th below |
| PPNR / Avg Assets | 1.31% | 1.68% | -0.37% | 34th below |
| Yield on Earning Assets | 5.10% | 5.67% | -0.57% | 27th below |
| Cost of Funds | 1.79% | 1.88% | -0.09% | 51st above |
| Net Interest Spread | 2.69% | 3.32% | -0.63% | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.24% | 1.28% | -0.04% | 55th above |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.36% | 19.50% | -1.14% | 71st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.36% | 19.54% | -1.18% | 71st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.27% | 20.62% | -1.35% | 70th above |
| Leverage Ratio | 15.15% | 12.14% | +3.01% | 87th top |
| Equity / Assets | 13.64% | 11.37% | +2.27% | 82nd top |
| TCE / Tangible Assets | 13.64% | 11.09% | +2.55% | 84th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.58% | 80.64% | -10.06% | 69th above |
| Core Deposit Ratio | 89.96% | 86.86% | +3.10% | 54th above |
| Wholesale Funding Ratio | 1.62% | 5.03% | -3.41% | 73rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.61% | 6.85% | -5.24% | 30th below |
| Loan Growth (Y/Y) | 3.37% | 7.90% | -4.53% | 39th below |
| Deposit Growth (Y/Y) | 2.96% | 6.29% | -3.33% | 42nd below |
See TPNB Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock TPNB 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 TPNB Bank profile, how to read a UBPR, or how this data updates.