American Interstate Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Interstate Bank of Elkhorn, NE 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 | 3.76% | 1.34% | +2.42% | 98th top |
| ROAE | 19.21% | 13.32% | +5.89% | 84th top |
| Net Interest Margin | 5.40% | 3.93% | +1.47% | 97th top |
| Efficiency Ratio | 30.64% | 61.13% | -30.49% | 99th top |
| PPNR / Avg Assets | 3.76% | 1.68% | +2.08% | 98th top |
| Yield on Earning Assets | 5.86% | 5.67% | +0.19% | 62nd above |
| Cost of Funds | 0.57% | 1.88% | -1.31% | 98th top |
| Net Interest Spread | 5.08% | 3.32% | +1.76% | 98th top |
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 | 1.78% | 1.28% | +0.50% | 90th 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 | 20.06% | 12.14% | +7.92% | 96th top |
| Equity / Assets | 20.11% | 11.36% | +8.75% | 96th top |
| TCE / Tangible Assets | 20.11% | 11.08% | +9.03% | 96th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.83% | 80.66% | -10.83% | 71st above |
| Core Deposit Ratio | 95.35% | 86.85% | +8.50% | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.77% | 6.84% | -12.61% | 4th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.62% | 7.92% | -1.30% | 58th above |
| Deposit Growth (Y/Y) | -8.91% | 6.29% | -15.20% | 3rd bottom |
See American Interstate Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Interstate 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 American Interstate Bank profile, how to read a UBPR, or how this data updates.