Wood & Huston Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Wood & Huston Bank of Marshall, MO 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 | 2.16% | 1.43% | +0.73% | 91st top |
| ROAE | 20.28% | 12.50% | +7.78% | 90th top |
| Net Interest Margin | 3.95% | 3.84% | +0.11% | 65th above |
| Efficiency Ratio | 49.27% | 58.88% | -9.61% | 76th top |
| PPNR / Avg Assets | 2.25% | 1.78% | +0.47% | 80th top |
| Yield on Earning Assets | 6.01% | 5.71% | +0.30% | 76th top |
| Cost of Funds | 2.25% | 2.03% | +0.22% | 34th below |
| Net Interest Spread | 3.36% | 3.18% | +0.18% | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.23% | 0.96% | -0.73% | 79th top |
| NPA / Total Assets | 0.27% | 0.75% | -0.48% | 68th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.31% | -0.23% | 32nd below |
| ACL / Total Loans | 1.31% | 1.25% | +0.06% | 71st above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 571.25% | 698.98% | -127.73% | 84th top |
| Texas Ratio | 2.22% | 7.17% | -4.95% | 75th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 238.04% | 815.29% | -577.25% | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.34% | 17.41% | -4.07% | 47th below |
| Tier 1 Ratio | 13.34% | 17.45% | -4.11% | 47th below |
| Total Capital Ratio | 14.57% | 18.50% | -3.93% | 48th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.55% | 11.60% | -0.05% | 71st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.96% | 11.33% | -0.37% | 60th above |
| TCE / Tangible Assets | 10.96% | 10.65% | +0.31% | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.10% | 86.35% | +5.75% | 38th below |
| Core Deposit Ratio | 90.57% | 85.55% | +5.02% | 60th above |
| Uninsured Deposit Ratio | 27.94% | 32.71% | -4.77% | 60th above |
| Wholesale Funding Ratio | 0.81% | 5.46% | -4.65% | 85th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.53% | 10.46% | -6.93% | 39th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.20% | 7.99% | -1.79% | 53rd above |
| Deposit Growth (Y/Y) | 1.36% | 7.99% | -6.63% | 25th below |
See Wood & Huston Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Wood & Huston 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 Wood & Huston Bank profile, how to read a UBPR, or how this data updates.