The Warrington Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Warrington Bank of Pensacola, FL 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 | 0.72% | 1.35% | -0.63% | 20th bottom |
| ROAE | 4.32% | 12.06% | -7.74% | 12th bottom |
| Net Interest Margin | 3.06% | 3.90% | -0.84% | 11th bottom |
| Efficiency Ratio | 70.85% | 63.15% | +7.70% | 26th below |
| PPNR / Avg Assets | 0.96% | 1.64% | -0.68% | 19th bottom |
| Yield on Earning Assets | 3.58% | 5.65% | -2.07% | 1st bottom |
| Cost of Funds | 0.61% | 1.85% | -1.24% | 97th top |
| Net Interest Spread | 2.75% | 3.35% | -0.60% | 22nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.97% | 1.28% | -0.31% | 23rd bottom |
| Texas Ratio | 0.00% | 7.15% | -7.15% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.72% | 12.46% | +4.26% | 92nd top |
| Equity / Assets | 16.59% | 11.67% | +4.92% | 92nd top |
| TCE / Tangible Assets | 16.59% | 11.40% | +5.19% | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 37.91% | 78.66% | -40.75% | 96th top |
| Core Deposit Ratio | 99.81% | 87.09% | +12.72% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.73% | 6.48% | -3.75% | 38th below |
| Loan Growth (Y/Y) | -1.89% | 7.64% | -9.53% | 16th bottom |
| Deposit Growth (Y/Y) | 2.78% | 6.02% | -3.24% | 41st below |
See The Warrington Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Warrington 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 Warrington Bank profile, how to read a UBPR, or how this data updates.