Traditional Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Traditional Bank, Inc. of Mount Sterling, KY against its peer group of 927 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 | 1.20% | 1.46% | -0.26% | 45th below |
| ROAE | 14.02% | 12.69% | +1.33% | 63rd above |
| Net Interest Margin | 3.48% | 3.85% | -0.37% | 34th below |
| Efficiency Ratio | 52.88% | 57.40% | -4.52% | 67th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.76% | 1.88% | -0.12% | 53rd above |
| Yield on Earning Assets | 5.34% | 5.72% | -0.38% | 38th below |
| Cost of Funds | 1.79% | 2.02% | -0.23% | 63rd above |
| Net Interest Spread | 2.82% | 3.18% | -0.36% | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.59% | 1.00% | -0.41% | 52nd above |
| NPA / Total Assets | 0.47% | 0.76% | -0.29% | 52nd above |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 57th above |
| ACL / Total Loans | 1.02% | 1.31% | -0.29% | 32nd below |
| ACL / NPLs (Coverage) | 171.33% | 564.74% | -393.41% | 48th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.95% | 7.39% | -2.44% | 49th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 162.01% | 619.06% | -457.05% | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.02% | 17.34% | -3.32% | 59th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.02% | 17.37% | -3.35% | 58th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.11% | 18.42% | -3.31% | 58th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.56% | 11.44% | -0.88% | 52nd above |
| Equity / Assets | 8.83% | 11.34% | -2.51% | 18th bottom |
| TCE / Tangible Assets | 8.83% | 10.50% | -1.67% | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.26% | 86.96% | -8.70% | 73rd above |
| Core Deposit Ratio | 85.28% | 85.55% | -0.27% | 35th below |
| Uninsured Deposit Ratio | 30.13% | 33.13% | -3.00% | 54th above |
| Wholesale Funding Ratio | 2.86% | 5.70% | -2.84% | 59th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.42% | 9.69% | -7.27% | 31st below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.81% | 8.06% | -1.25% | 57th above |
| Deposit Growth (Y/Y) | -0.13% | 7.88% | -8.01% | 18th bottom |
See Traditional Bank, Inc.'s peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Traditional Bank, Inc., 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 Traditional Bank, Inc. profile, how to read a UBPR, or how this data updates.