A Peer Group in Three Steps
Examiners pick peers by geography, agency and size. So does the wizard.
One institution, or a holding company treated as one
Multi-charter organisations get compared both ways in practice: each bank on its own, and the group combined. Choosing between Single Institution and Institution Group at the first step means you are not maintaining two sets of reports to answer the two versions of the question.
- Every reporter, by respondent ID and agency so you are picking a real filer, not typing a name.
- Application count, assets and loan volume in the list because those are what “comparable” means.
- Reporting year selected up front so a year-over-year run is the same report, re-pointed.
This is the step that decides whether the comparison is fair
A peer group is an argument, and the filters are the argument. Being able to say “FDIC-supervised depositories, this state, assets within this band” is what makes a favourable result defensible — and what lets you check the less favourable group an examiner or a community organisation might pick instead.
- All six agencies OCC, FRS, FDIC, NCUA, HUD and CFPB, alone or in combination.
- Lender codes to separate depositories from mortgage companies and affiliates.
- Size and pricing bands assets, assets-to-loan ratio, and rate of higher-priced loans.
- Saved as a definition so the group is reusable rather than rebuilt from memory.
Top peers and closest peers answer different questions
Top Peer Ranking tells you who leads the market. Closest Peer Ranking tells you who is immediately above and below you, which is the more uncomfortable and more useful number. Ticking both, across several ranking fields, produces the whole set in one run rather than one report at a time.
- Top N or closest N the market leaders, or the institutions either side of you.
- Rank by count, loan amount or assets and sort on total, filtered, filtered % or market share.
- Every combination in one pass so a board pack is a single run, batched.
- 39years, since 1987
- Hundredsof institutions filing
- 6regulator agencies covered
- 4report families, batchable
Peer Analysis Reports
Last updated: August 20, 2026
All reports are templates: you choose the Comparator or Corporate Group, the Geographic Area, the filter, and the Peer Group to compare against. What follows is a small sample of what you can build.
Individual Comparator
Detailed lending information on any institution or Corporate Group, run individually, against top peers combined, or against all selected peers — based on standard regulatory examination reports, with full filter control. Sample PDFs: tract summary, HMDA performance, pricing performance, submission summary.
Loan Summaries by Census Tract Characteristics
Size yourself up against your closest three peers, broken into every category you choose, comparing your volume against Top Peers, All Selected Peers, and the entire market. Sample PDFs: pricing performance, market share summary, submission audit.
Ranking Reports
Top Peer Rankings show the top N peers for a geography, filter and agency; Closest Peer Rankings show the institutions just above and below you. Rank by total applications, filtered applications, filtered percentage or market share. Sample PDFs: top 30 by filter, top 30 by volume, closest 30 by filtered amount, closest 30 by total amount.
Peer Summaries
Market Penetration or Market Share against selected peers, at the State or MSA/MD level, or by any LAR field, with loan counts and dollar sums as percentages. Sample PDFs: action type, applicant race, borrower income, tract income, ethnicity.
Frequently Asked Questions
The four we are asked most often about Peer-2-Peer, answered properly rather than in a sentence. If yours is not here, it is a better use of your time to ask a person.
Ask us directlyWhat is peer-to-peer analysis in banking compliance?
Peer-to-peer analysis compares your institution's lending performance to similar financial institutions. Comply Peer-2-Peer analyzes HMDA, CRA, and fair lending patterns against peer institutions you select, helping you understand competitive positioning, identify market gaps, and prepare for regulatory examinations that use peer comparisons.
How do I select peer institutions for comparison?
Comply Peer-2-Peer lets you create custom peer groups based on asset size, geographic service areas, lending volume, regulatory agency, or specific market presence. Select your top 5 competitors, all banks in your MSA, institutions with similar CRA ratings, or create multiple peer groups for different analysis purposes.
What reports does Peer-2-Peer analysis generate?
Peer-2-Peer generates market share reports, lending performance comparisons, ranking reports showing your position among peers, geographic penetration analysis, and demographic comparison reports. All reports are customizable by geography, loan characteristics, and borrower demographics to focus on areas relevant to your strategy.
Can peer analysis help with CRA exam preparation?
Yes, examiners frequently compare your institution to peers during CRA evaluations. Running peer analysis before an exam shows your market context, demonstrates your competitive lending performance in assessment areas, and helps you anticipate examiner questions about market penetration and lending to low- and moderate-income borrowers. See our HMDA and CRA software page for the full set of Regulation BB reporting tools this pairs with.
Peer-2-Peer Analysis vs Manual Peer Comparisons
See how Comply Peer-2-Peer streamlines competitive benchmarking
| Task | With Peer-2-Peer | Manual Peer Analysis |
|---|---|---|
| Peer Selection | Filter nationwide institutions by asset size, geography, lending volume, and regulatory agency. Save peer groups for reuse. | Manual research to identify competitors. Download separate HMDA files for each institution. Track peer lists in spreadsheets. |
| Data Access | Complete HMDA and CRA data for all US institutions built-in. Instant access to peer submission data. | Download individual HMDA files from FFIEC website. Convert formats, consolidate multiple files, manage data updates manually. |
| Market Share Analysis | Automated market share calculations comparing your institution to top peers, selected peers, and entire market simultaneously. | Build complex pivot tables and formulas. Calculate totals for each peer, aggregate market, compute percentages. Hours of spreadsheet work. |
| Ranking Reports | Instant ranking by lending volume, market share, or any LAR characteristic. See your position among top competitors or closest peers. | Sort and filter large datasets. Manually identify your institution's rank. Create separate tables for different rankings. Error-prone. |
| Geographic Analysis | Compare performance by state, MSA, county, or census tract. Filter by income characteristics or demographics with point-and-click interface. | Join peer data with geographic and demographic files. Complex VLOOKUP or SQL queries. Maintain separate analysis for each geography. |
| Report Generation | Pre-built templates for CRA performance, pricing comparisons, demographic analysis. Export to PDF or Excel with professional formatting. | Build reports from scratch in Excel or Word. Copy/paste data between files. Manual formatting for each report. Inconsistent styling. |
| Exam Preparation | Generate examiner-style reports showing market context and competitive performance. Anticipate peer comparison questions regulators will ask. | Try to replicate examiner analysis methods. Incomplete peer data. Uncertainty about whether analysis matches regulatory approach. |
| Time to Complete Analysis | Minutes for comprehensive peer benchmarking | Days to weeks of data gathering and analysis |
What Our Customers Say
Trusted by financial institutions nationwide for compliance excellence
“RATA provides the tools and resources to assist with lending pattern analysis for fair lending and CRA to maintain appropriate monitoring and reporting. The staff at RATA are helpful and will provide assistance quickly when needed.”
“The folks at RATA were outstanding. Every time I had a question, I would speak to someone who either knew the answer immediately or could provide the answer within a very short period of time. Everyone I spoke with knew their product, industry and was willing to do whatever it took to help us solve our problem. I would highly recommend RATA and COMPLY to anyone who is considering this company and product.”
“The support has been exceptional. The program is very easy to use. RATA has been one of the best companies I have dealt with in my 25 years of banking. Their service has exceeded my expectations.”
… and hundreds of others since 1987Methodology & Sources
Peer comparisons on this page are built from aggregate HMDA and CRA data covering all US reporting institutions, the same public data source examiners themselves use for market-context review. See the report creation, ranking reports and peer summaries sections above for how each comparison is built. RATA Associates maintains this page and updates it as new peer data is released.
You may republish the figures and methodology on this page with attribution and a link to rataassociates.com/comply-peer-2-peer/.
