The Twin Valley Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Twin Valley Bank of West Alexandria, OH 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 | 1.61% | 1.35% | +0.26% | 69th above |
| ROAE | 21.95% | 12.05% | +9.90% | 92nd top |
| Net Interest Margin | 4.25% | 3.90% | +0.35% | 67th above |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 62.75% | 63.15% | -0.40% | 46th below |
| PPNR / Avg Assets | 1.82% | 1.64% | +0.18% | 64th above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.63% | 5.65% | -0.02% | 51st above |
| Cost of Funds | 1.37% | 1.85% | -0.48% | 76th top |
| Net Interest Spread | 4.03% | 3.35% | +0.68% | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.41% | 0.92% | -0.51% | 50th above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.44% | 0.67% | -0.23% | 41st below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.12% | 0.15% | -0.03% | 18th bottom |
| ACL / Total Loans | 0.88% | 1.28% | -0.40% | 16th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 213.02% | 1645.75% | -1432.73% | 50th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.48% | 7.15% | -1.67% | 38th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 155.17% | 1189.83% | -1034.66% | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.23% | 12.46% | -3.23% | 16th bottom |
| Equity / Assets | 7.58% | 11.67% | -4.09% | 10th bottom |
| TCE / Tangible Assets | 7.58% | 11.40% | -3.82% | 11th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.22% | 78.65% | -5.43% | 65th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.85% | 87.09% | +1.76% | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.70% | 6.48% | -7.18% | 16th bottom |
| Loan Growth (Y/Y) | 0.33% | 7.64% | -7.31% | 24th bottom |
| Deposit Growth (Y/Y) | -1.77% | 6.03% | -7.80% | 14th bottom |
See The Twin Valley Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Twin Valley 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 The Twin Valley Bank profile, how to read a UBPR, or how this data updates.