Know Your Peers

Build your own peer set · Q2 2026 · Powered by Amberoon

Data through June 30, 2026 · Next refresh: mid-November 2026 (Q3 2026 grades, about 45 days after the October 30 Call Report deadline)

Don't let someone else define your peer group. Build your own from any banks you choose, of any size or state, and see exactly where your Statum GPA stands.

Your GPA vs Peer Group

Capital Efficiency Earnings You Peer avg

Overall silhouette: you (gold) against the peer average (navy), 1 to 9 rank per driver.

You vs Each Peer, by Component

Color is the 1 to 9 national rank (red low, green high). Your bank is the starred row on top. Read down any column to see exactly how you compare with each peer on that driver.

Trends need more than one quarter; Q2 2026 is our first certified quarter, so they return once a second quarter exists.

What is the Statum GPA?

The Statum GPA (Grade Point Average) is a single bank-health grade from 1 to 9 that forecasts where a bank will stand up to 18 months ahead. It is not a weighted average of past results; it is a forecast of where the bank is heading, from a model trained on sixty quarters of community-bank data that reads the same FFIEC Call Report every bank files. Six fundamentals across three areas (Capital, Efficiency, Earnings) roll into the one grade.

The grade is a curve. Every bank is ranked across the full distribution of all U.S. banks in the same quarter, so a 5 sits at the national median (the average community bank runs about 5.2). A higher grade means the bank ranks above more of the country.

18 mo.forward horizon 87,046forecasts validated 4 in 5within ±0.8 of actual FDICstress-prototype origin

How to read this: grades, not ratios

Every figure here, for ROA, ROE, TCE, T1LR, AER, ROTCE, and the overall GPA, is a grade from 1 to 9 that ranks the bank against all U.S. banks, not the raw ratio.

Example: an ROA grade of 7 does NOT mean a 7% return on assets. It means this bank's ROA ranks in the upper bands of all U.S. banks. A 5 is the national median. Never compare these 1 to 9 grades with published ROA or ROE percentages.

What each GPA component means

Reminder: each driver is scored 1 to 9 by ranking the bank against all U.S. banks, not by its raw ratio.

Reading the forecast: the Statum Variability Index (SVI)

The GPA tells you where a bank is heading. The SVI tells you how much to trust that forecast. It measures the volatility of the performance signal itself: how steadily the GPA's six component ratings move across quarters. Drivers that move together give a low SVI and an earned grade; a grade resting on one good quarter gives a high SVI and a fragile grade. In short: GPA tells you where you are, SVI tells you whether you can stay there.

Tier 1 · High confidence · ~0.0 to 0.2 Tier 2 · Moderate · ~0.2 to 0.4 Tier 3 · Low · ~0.4 to 0.6 Tier 4 · Very low · above ~0.6

High GPA · Low SVI: EarnedDurable strength you can count on.

High GPA · High SVI: LuckyA good quarter on a fragile base; one surprise from a downgrade.

Low GPA · Low SVI: StructuralA real, well-understood weakness.

Low GPA · High SVI: In motionA turnaround candidate; the direction of travel decides buy versus sell.

Why it matters. A strong grade is common; a strong grade you can rely on is rare. When you build a peer group, watch your peers' SVI too: high-SVI banks' numbers are noisier than they look. (Per-bank SVI can be added to the chart and table next.)

Generated by Statum KPI · Powered by Amberoon · Q2 2026 · Real Q2 2026 grades for 4,228 banks.