YNB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks YNB of Yukon, OK against its peer group of 2757 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 | 0.58% | 1.25% | -0.67% | 14th bottom |
| ROAE | 7.65% | 12.22% | -4.57% | 22nd bottom |
| Net Interest Margin | 3.74% | 3.95% | -0.21% | 39th below |
| Efficiency Ratio | 82.70% | 63.71% | +18.99% | 10th bottom |
| PPNR / Avg Assets | 0.66% | — | — | 10th bottom |
| Yield on Earning Assets | 5.35% | 5.67% | -0.32% | 37th below |
| Cost of Funds | 1.66% | 1.87% | -0.21% | 59th above |
| Net Interest Spread | 3.06% | — | — | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.39% | 0.88% | -0.49% | 51st above |
| NPA / Total Assets | 0.79% | — | — | 26th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.15% | -0.11% | 27th below |
| ACL / Total Loans | 0.77% | — | — | 10th bottom |
| ACL / NPLs (Coverage) | 195.83% | — | — | 47th below |
| Texas Ratio | 10.10% | 5.96% | +4.14% | 18th bottom |
| Provision / NCO | 173.33% | — | — | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.25% | 17.18% | -4.93% | 19th bottom |
| Tier 1 Ratio | 12.25% | 17.21% | -4.96% | 19th bottom |
| Total Capital Ratio | 12.93% | — | — | 15th bottom |
| Leverage Ratio | 8.45% | 11.75% | -3.30% | 5th bottom |
| Equity / Assets | 7.86% | 10.98% | -3.12% | 12th bottom |
| TCE / Tangible Assets | 7.47% | — | — | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.64% | 80.44% | -17.80% | 81st top |
| Core Deposit Ratio | 77.01% | 86.95% | -9.94% | 11th bottom |
| Wholesale Funding Ratio | 2.99% | — | — | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.26% | — | — | 76th top |
| Loan Growth (Y/Y) | 16.49% | — | — | 88th top |
| Deposit Growth (Y/Y) | 5.10% | — | — | 58th above |
See YNB's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock YNB, 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 YNB profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the YNB peer analysis.