American Bank of Baxter Springs: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Bank of Baxter Springs of Baxter Springs, KS against its peer group of 2603 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 | 1.58% | 1.34% | +0.24% | 68th above |
| ROAE | 16.98% | 13.32% | +3.66% | 75th top |
| Net Interest Margin | 3.75% | 3.93% | -0.18% | 40th below |
| Efficiency Ratio | 57.32% | 61.13% | -3.81% | 62nd above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.67% | 1.68% | -0.01% | 55th above |
| Yield on Earning Assets | 4.93% | 5.67% | -0.74% | 20th bottom |
| Cost of Funds | 1.29% | 1.88% | -0.59% | 80th top |
| Net Interest Spread | 3.47% | 3.32% | +0.15% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.51% | 1.28% | +0.23% | 79th top |
| Texas Ratio | 0.00% | 7.34% | -7.34% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.98% | 12.14% | -2.16% | 31st below |
| Equity / Assets | 10.22% | 11.36% | -1.14% | 48th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.22% | 11.08% | -0.86% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.24% | 80.66% | -12.42% | 73rd above |
| Core Deposit Ratio | 63.19% | 86.85% | -23.66% | 2nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -8.66% | 6.84% | -15.50% | 2nd bottom |
| Loan Growth (Y/Y) | 15.08% | 7.92% | +7.16% | 86th top |
| Deposit Growth (Y/Y) | -10.37% | 6.29% | -16.66% | 2nd bottom |
See American Bank of Baxter Springs's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Bank of Baxter Springs, 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 American Bank of Baxter Springs profile, how to read a UBPR, or how this data updates.