Vinton County National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Vinton County National Bank of McArthur, OH 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 Behind the peer average, ahead of the median peer. | 1.29% | 1.46% | -0.17% | 51st above |
| ROAE | 12.72% | 12.72% | +0.00% | 53rd above |
| Net Interest Margin | 3.87% | 3.85% | +0.02% | 61st above |
| Efficiency Ratio Behind the peer average, ahead of the median peer. | 57.50% | 57.41% | +0.09% | 53rd above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.79% | 1.88% | -0.09% | 55th above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.55% | 5.72% | -0.17% | 51st above |
| Cost of Funds | 1.85% | 2.02% | -0.17% | 59th above |
| Net Interest Spread | 3.24% | 3.18% | +0.06% | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.24% | 1.00% | -0.76% | 78th top |
| NPA / Total Assets | 0.17% | 0.76% | -0.59% | 79th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.10% | 0.43% | -0.33% | 28th below |
| ACL / Total Loans | 1.03% | 1.31% | -0.28% | 33rd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 434.88% | 543.42% | -108.54% | 79th top |
| Texas Ratio | 2.12% | 7.39% | -5.27% | 76th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 213.08% | 618.90% | -405.82% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.49% | 11.44% | -0.95% | 50th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.53% | 11.34% | -0.81% | 53rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.14% | 10.50% | -0.36% | 59th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.22% | 86.96% | -5.74% | 67th above |
| Core Deposit Ratio | 90.72% | 85.55% | +5.17% | 61st above |
| Uninsured Deposit Ratio | 30.92% | 33.12% | -2.20% | 51st above |
| Wholesale Funding Ratio | 0.91% | 5.71% | -4.80% | 83rd 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. | 5.91% | 9.68% | -3.77% | 55th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.18% | 8.06% | -0.88% | 60th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.11% | 7.87% | -2.76% | 52nd above |
See Vinton County National Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Vinton County 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 Vinton County National Bank profile, how to read a UBPR, or how this data updates.