Wellworth Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Wellworth Bank of Lafayette, TN 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% | 52nd above |
| ROAE | 13.23% | 12.72% | +0.51% | 57th above |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.79% | 3.85% | -0.06% | 56th above |
| Efficiency Ratio | 56.04% | 57.41% | -1.37% | 58th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.79% | 1.88% | -0.09% | 56th above |
| Yield on Earning Assets | 5.93% | 5.72% | +0.21% | 73rd above |
| Cost of Funds | 2.29% | 2.02% | +0.27% | 31st below |
| Net Interest Spread | 3.27% | 3.18% | +0.09% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.51% | 1.00% | +0.51% | 18th bottom |
| NPA / Total Assets | 1.04% | 0.76% | +0.28% | 23rd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.43% | -0.37% | 37th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.15% | 1.31% | -0.16% | 50th above |
| ACL / NPLs (Coverage) | 76.20% | 543.69% | -467.49% | 19th bottom |
| Texas Ratio | 10.89% | 7.39% | +3.50% | 21st bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 546.56% | 618.66% | -72.10% | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.79% | 17.34% | -3.55% | 55th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.79% | 17.37% | -3.58% | 55th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.98% | 18.42% | -3.44% | 56th above |
| Leverage Ratio | 9.92% | 11.44% | -1.52% | 34th below |
| Equity / Assets | 9.82% | 11.34% | -1.52% | 39th below |
| TCE / Tangible Assets | 8.99% | 10.50% | -1.51% | 32nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.35% | 86.96% | -4.61% | 65th above |
| Core Deposit Ratio | 81.87% | 85.56% | -3.69% | 25th below |
| Uninsured Deposit Ratio | 29.42% | 33.12% | -3.70% | 56th above |
| Wholesale Funding Ratio | 6.06% | 5.70% | +0.36% | 34th below |
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. | 7.31% | 9.68% | -2.37% | 64th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.73% | 8.06% | -2.33% | 50th above |
| Deposit Growth (Y/Y) | 8.05% | 7.87% | +0.18% | 67th above |
See Wellworth Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Wellworth 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 Wellworth Bank profile, how to read a UBPR, or how this data updates.