American State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American State Bank of Osceola, IA against its peer group of 2672 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 | 2.22% | 1.34% | +0.88% | 90th top |
| ROAE | 22.74% | 13.31% | +9.43% | 93rd top |
| Net Interest Margin | 4.27% | 3.93% | +0.34% | 69th above |
| Efficiency Ratio | 47.54% | 61.14% | -13.60% | 85th top |
| PPNR / Avg Assets | 2.37% | 1.68% | +0.69% | 86th top |
| Yield on Earning Assets | 6.17% | 5.67% | +0.50% | 76th top |
| Cost of Funds | 2.04% | 1.88% | +0.16% | 35th below |
| Net Interest Spread | 3.85% | 3.32% | +0.53% | 77th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.94% | -0.90% | 80th top |
| NPA / Total Assets | 0.03% | 0.70% | -0.67% | 82nd top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 27th below |
| ACL / Total Loans | 1.17% | 1.28% | -0.11% | 47th below |
| ACL / NPLs (Coverage) | 3178.26% | 1538.05% | +1640.21% | — |
| Texas Ratio | 0.24% | 7.33% | -7.09% | 85th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 363.64% | 1396.04% | -1032.40% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.11% | 12.14% | -1.03% | 52nd above |
| Equity / Assets | 9.95% | 11.37% | -1.42% | 44th below |
| TCE / Tangible Assets | 9.90% | 11.09% | -1.19% | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.09% | 80.63% | +7.46% | 32nd below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.45% | 86.86% | +0.59% | 41st below |
| Wholesale Funding Ratio | 10.82% | 5.03% | +5.79% | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.28% | 6.85% | +2.43% | 80th top |
| Loan Growth (Y/Y) | 5.25% | 7.90% | -2.65% | 49th below |
| Deposit Growth (Y/Y) | 8.99% | 6.29% | +2.70% | 79th top |
See American State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American 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 American State Bank profile, how to read a UBPR, or how this data updates.