Ventura National Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ventura National Bank & Trust of Harveyville, KS against its peer group of 506 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 | -0.33% | 3.13% | -3.46% | 11th bottom |
| ROAE | -1.84% | 10.31% | -12.15% | 11th bottom |
| Net Interest Margin | 3.39% | 3.94% | -0.55% | 26th below |
| Efficiency Ratio | 118.48% | 76.27% | +42.21% | 8th bottom |
| PPNR / Avg Assets | -0.61% | 1.41% | -2.02% | 7th bottom |
| Yield on Earning Assets | 6.20% | 5.35% | +0.85% | 81st top |
| Cost of Funds | 3.47% | 1.70% | +1.77% | 3rd bottom |
| Net Interest Spread | 2.17% | 3.32% | -1.15% | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 0.69% | 1.49% | -0.80% | 9th bottom |
| Texas Ratio | 0.37% | 8.27% | -7.90% | 63rd above |
| Provision / NCO | -76.00% | 291.00% | -367.00% | 2nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.95% | 17.64% | +0.31% | 75th top |
| Equity / Assets | 20.84% | 16.44% | +4.40% | 81st top |
| TCE / Tangible Assets | 20.84% | 16.19% | +4.65% | 82nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 111.90% | 72.79% | +39.11% | 3rd bottom |
| Core Deposit Ratio | 98.28% | 88.26% | +10.02% | 89th top |
| Wholesale Funding Ratio | 0.50% | 5.19% | -4.69% | 88th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.43% | 4.25% | +8.18% | 90th top |
| Loan Growth (Y/Y) | 44.17% | 6.71% | +37.46% | 97th top |
| Deposit Growth (Y/Y) | 17.61% | 3.71% | +13.90% | 95th top |
See Ventura National Bank & Trust's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ventura National Bank & Trust, 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 Ventura National Bank & Trust profile, how to read a UBPR, or how this data updates.