Adams State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Adams State Bank of Adams, NE against its peer group of 506 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 Behind the peer average, ahead of the median peer. | 2.07% | 3.13% | -1.06% | 84th top |
| ROAE | 12.85% | 10.30% | +2.55% | 72nd above |
| Net Interest Margin | 3.83% | 3.94% | -0.11% | 47th below |
| Efficiency Ratio | 46.43% | 76.37% | -29.94% | 91st top |
| PPNR / Avg Assets | 2.10% | 1.40% | +0.70% | 81st top |
| Yield on Earning Assets | 5.55% | 5.35% | +0.20% | 64th above |
| Cost of Funds | 2.06% | 1.70% | +0.36% | 26th below |
| Net Interest Spread | 3.05% | 3.32% | -0.27% | 36th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 1.34% | -1.25% | 60th above |
| NPA / Total Assets | 0.06% | 0.71% | -0.65% | 55th above |
| NCO / Avg Loans | -0.02% | 0.10% | -0.12% | 86th top |
| ACL / Total Loans | 0.73% | 1.49% | -0.76% | 12th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 815.91% | 865.31% | -49.40% | 87th top |
| Texas Ratio | 0.39% | 8.28% | -7.89% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 16.62% | 17.65% | -1.03% | 73rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 15.73% | 16.45% | -0.72% | 70th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 15.73% | 16.19% | -0.46% | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.73% | 72.80% | +17.93% | 18th bottom |
| Core Deposit Ratio | 88.26% | 88.28% | -0.02% | 32nd below |
| Wholesale Funding Ratio | 6.77% | 5.17% | +1.60% | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.75% | 4.27% | -3.52% | 38th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 2.61% | 6.76% | -4.15% | 51st above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 2.76% | 3.72% | -0.96% | 54th above |
See Adams State Bank's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Adams State 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 Adams State Bank profile, how to read a UBPR, or how this data updates.