Tricentury Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Tricentury Bank of De Soto, KS against its peer group of 2603 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 | 1.73% | 1.34% | +0.39% | 75th top |
| ROAE | 16.42% | 13.32% | +3.10% | 73rd above |
| Net Interest Margin | 4.02% | 3.93% | +0.09% | 54th above |
| Efficiency Ratio | 41.45% | 61.13% | -19.68% | 94th top |
| PPNR / Avg Assets | 2.37% | 1.68% | +0.69% | 86th top |
| Yield on Earning Assets | 6.67% | 5.67% | +1.00% | 90th top |
| Cost of Funds | 2.88% | 1.88% | +1.00% | 7th bottom |
| Net Interest Spread | 3.46% | 3.32% | +0.14% | 57th above |
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 | 1.04% | 1.28% | -0.24% | 31st below |
| Texas Ratio | 0.00% | 7.34% | -7.34% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.76% | 12.14% | -1.38% | 46th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.71% | 11.36% | -0.65% | 56th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.71% | 11.08% | -0.37% | 60th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 132.42% | 80.65% | +51.77% | 1st bottom |
| Core Deposit Ratio | 84.60% | 86.85% | -2.25% | 29th below |
| Wholesale Funding Ratio | 25.73% | 5.03% | +20.70% | 1st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.35% | 6.84% | +4.51% | 86th top |
| Loan Growth (Y/Y) | 11.91% | 7.92% | +3.99% | 79th top |
| Deposit Growth (Y/Y) | 16.86% | 6.29% | +10.57% | 93rd top |
See Tricentury Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Tricentury 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 Tricentury Bank profile, how to read a UBPR, or how this data updates.