Wisdom Heritage Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Wisdom Heritage Bank of Alva, OK against its peer group of 2603 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 | 0.90% | 1.35% | -0.45% | 28th below |
| ROAE | 7.05% | 13.33% | -6.28% | 21st bottom |
| Net Interest Margin | 3.25% | 3.93% | -0.68% | 18th bottom |
| Efficiency Ratio | 68.89% | 61.13% | +7.76% | 31st below |
| PPNR / Avg Assets | 0.92% | 1.68% | -0.76% | 18th bottom |
| Yield on Earning Assets | 5.69% | 5.67% | +0.02% | 54th above |
| Cost of Funds | 2.90% | 1.88% | +1.02% | 7th bottom |
| Net Interest Spread | 2.11% | 3.32% | -1.21% | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.13% | 0.94% | +1.19% | 12th bottom |
| NPA / Total Assets | 1.15% | 0.70% | +0.45% | 17th bottom |
| NCO / Avg Loans | -0.06% | 0.16% | -0.22% | 95th top |
| ACL / Total Loans | 1.56% | 1.28% | +0.28% | 82nd top |
| ACL / NPLs (Coverage) | 73.51% | 1547.06% | -1473.55% | 19th bottom |
| Texas Ratio | 8.26% | 7.34% | +0.92% | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.69% | 19.48% | +1.21% | 79th top |
| Tier 1 Ratio | 20.69% | 19.52% | +1.17% | 79th top |
| Total Capital Ratio | 21.82% | 20.60% | +1.22% | 79th top |
| Leverage Ratio | 14.22% | 12.14% | +2.08% | 82nd top |
| Equity / Assets | 13.11% | 11.36% | +1.75% | 79th top |
| TCE / Tangible Assets | 13.11% | 11.08% | +2.03% | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.39% | 80.67% | -20.28% | 83rd top |
| Core Deposit Ratio | 80.87% | 86.85% | -5.98% | 18th bottom |
| Wholesale Funding Ratio | 2.60% | 5.04% | -2.44% | 60th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.07% | 6.84% | +2.23% | 80th top |
| Loan Growth (Y/Y) | 9.46% | 7.92% | +1.54% | 72nd above |
| Deposit Growth (Y/Y) | 8.18% | 6.29% | +1.89% | 77th top |
See Wisdom Heritage Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Wisdom Heritage 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 Wisdom Heritage Bank profile, how to read a UBPR, or how this data updates.