CFO
Reports performance to the board each quarter and wants a peer comparison the board recognizes.
Asset/Liability Management · Services
Custom peer reports for community banks
NineFive builds a custom peer report for your bank each quarter: your performance benchmarked against a peer group you define, on the profitability, growth, margin, credit, and capital metrics your board actually tracks. It replaces the generic UBPR peer group and the slide someone rebuilds by hand every quarter.
The engagement
Every quarter
Refreshed after call report data posts
Your peer group
A named list or criteria you set, kept current
Board-ready
Charts, narrative, and quarter-over-quarter trend
What it is
Your bank, against the peers that actually matter.
A quarterly report that benchmarks your bank on the metrics your board tracks, against a peer group you choose, with a written read on what changed.
Peer group
A peer group you define
A named list of specific competitors, or a set of criteria such as asset size, geography, loan mix, and funding profile, kept current as banks are acquired or cross a size threshold.
Metrics
The metrics your board tracks
Profitability, margin, efficiency, growth, credit quality, reserve coverage, capital, and deposit cost, built around what your board reviews rather than a fixed template.
Narrative
A written read, not just charts
A short narrative on where the bank moved against peers this quarter and why, so the report explains itself.
Trend & market
Trend and, if useful, market share
Quarter-over-quarter movement against the peer group, with an optional deposit and branch market share view for the markets you operate in.
What you get
Every quarter.
- The custom peer report, with board-ready charts and a written narrative.
- Your peer group definition, maintained as the group changes.
- Quarter-over-quarter trend against the peer group.
- An optional deposit and branch market share view by county.
- A version formatted for the board packet.
Who it is for
The people who report performance.
CEO & strategy
Wants to see where the bank leads and trails its real competitors, not a generic size cohort.
Board of directors
Wants a consistent quarterly read on how the bank stacks up.
Corporate development
Uses the peer set to track potential partners and targets over time.
How it works
Define the group once, get the report every quarter.
Built in BankCore from regulatory data
You define the peer group and the metric set with NineFive. Each quarter, after call report data posts, NineFive builds the report in BankCore, writes the narrative on what changed, and delivers a version ready for the board packet.
- Peer group set once, then maintained as it changes
- Built from call report and UBPR data for 4,000+ U.S. banks
- Delivered each quarter with a written read
Why NineFive
Peer analysis that reflects your bank.
- Peer groups are built around your market and model, not a generic size cohort.
- Each report carries a written read on what changed, from people who know community bank financials.
- Built in BankCore, so your team can run the same analysis in-house whenever it wants to.
- One relationship covers peer reports, ALCO, IRR, liquidity, and strategy.
Peer report FAQ
Frequently asked questions
Basics
What is a custom peer report?
A custom peer report benchmarks your bank against a peer group you define, on the metrics your board actually tracks, and refreshes every quarter. NineFive builds it from call report and UBPR data in BankCore, with board-ready charts, a written narrative on what changed, and a quarter-over-quarter trend.
vs UBPR
How is this different from the standard UBPR peer group?
The UBPR assigns every bank to a peer group by asset size and a few other factors. It is useful but generic. A custom peer report lets you pick the banks or the criteria that actually reflect your market, business model, and strategy.
Selection
How is the peer group chosen?
You choose it with NineFive, either as a named list of specific banks or as a set of criteria such as asset size, geography, loan mix, and funding profile. NineFive keeps the group current as banks are acquired or cross a size threshold.
Metrics
What metrics can the report include?
ROA, ROE, net interest margin, efficiency ratio, loan and deposit growth, loan mix, credit quality, reserve coverage, capital ratios, Tier 1 leverage, CRE concentration, and deposit cost, among others, built around the metrics your board tracks.
Data
How current is the data?
Each report is built after the quarter's call reports are filed and the FFIEC and FDIC publish updated figures, so it reflects the latest available data for every bank in the group.
See a sample
Name five competitors. We will build the report.
Tell us your bank and a few peers, and we will show you the comparison your board would see each quarter.