Tri City National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Tri City National Bank of Oak Creek, WI 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 | 0.86% | 1.46% | -0.60% | 21st bottom |
| ROAE | 9.24% | 12.72% | -3.48% | 27th below |
| Net Interest Margin | 3.57% | 3.85% | -0.28% | 40th below |
| Efficiency Ratio | 71.72% | 57.39% | +14.33% | 18th bottom |
| PPNR / Avg Assets | 1.15% | 1.88% | -0.73% | 21st bottom |
| Yield on Earning Assets | 4.47% | 5.72% | -1.25% | 6th bottom |
| Cost of Funds | 0.96% | 2.02% | -1.06% | 95th top |
| Net Interest Spread | 3.18% | 3.18% | +0.00% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.27% | 1.00% | +0.27% | 24th bottom |
| NPA / Total Assets | 0.86% | 0.76% | +0.10% | 29th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.43% | -0.35% | 32nd below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.21% | 1.31% | -0.10% | 60th above |
| ACL / NPLs (Coverage) | 95.26% | 543.70% | -448.44% | 27th below |
| Texas Ratio | 8.25% | 7.39% | +0.86% | 29th below |
| Provision / NCO | 0.00% | 619.16% | -619.16% | 10th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.10% | 11.44% | -0.34% | 62nd above |
| Equity / Assets | 9.68% | 11.34% | -1.66% | 36th below |
| TCE / Tangible Assets | 9.68% | 10.50% | -0.82% | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.67% | 86.97% | -20.30% | 89th top |
| Core Deposit Ratio | 97.15% | 85.55% | +11.60% | 94th top |
| Uninsured Deposit Ratio | 26.69% | 33.13% | -6.44% | 65th above |
| Wholesale Funding Ratio | 0.04% | 5.71% | -5.67% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.31% | 9.68% | -4.37% | 50th above |
| Loan Growth (Y/Y) | 0.59% | 8.06% | -7.47% | 20th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.83% | 7.87% | -3.04% | 50th above |
See Tri City National Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Tri City National 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 Tri City National Bank profile, how to read a UBPR, or how this data updates.