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 Sioux Center, IA against its peer group of 927 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 | 1.64% | 1.46% | +0.18% | 74th above |
| ROAE | 15.18% | 12.69% | +2.49% | 73rd above |
| Net Interest Margin | 3.68% | 3.85% | -0.17% | 48th below |
| Efficiency Ratio | 44.23% | 57.41% | -13.18% | 88th top |
| PPNR / Avg Assets | 2.40% | 1.88% | +0.52% | 85th top |
| Yield on Earning Assets | 6.10% | 5.72% | +0.38% | 79th top |
| Cost of Funds | 2.60% | 2.02% | +0.58% | 18th bottom |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.17% | 3.18% | -0.01% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.63% | 1.00% | -0.37% | 49th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.59% | 0.76% | -0.17% | 42nd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.43% | -0.38% | 41st below |
| ACL / Total Loans | 1.35% | 1.31% | +0.04% | 76th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 213.84% | 564.56% | -350.72% | 58th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.13% | 7.39% | -2.26% | 48th below |
| Provision / NCO | 1250.00% | 618.13% | +631.87% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.78% | 17.34% | -5.56% | 20th bottom |
| Tier 1 Ratio | 11.78% | 17.37% | -5.59% | 19th bottom |
| Total Capital Ratio | 13.03% | 18.42% | -5.39% | 23rd bottom |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.81% | 11.44% | -0.63% | 57th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.00% | 11.34% | -0.34% | 60th above |
| TCE / Tangible Assets | 10.88% | 10.50% | +0.38% | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 111.20% | 86.94% | +24.26% | 5th bottom |
| Core Deposit Ratio | 84.92% | 85.55% | -0.63% | 34th below |
| Uninsured Deposit Ratio | 38.65% | 33.12% | +5.53% | 31st below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.39% | 5.70% | -1.31% | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.72% | 9.69% | -12.41% | 7th bottom |
| Loan Growth (Y/Y) | -1.21% | 8.06% | -9.27% | 12th bottom |
| Deposit Growth (Y/Y) | -1.85% | 7.88% | -9.73% | 11th bottom |
See American State Bank's peers by name
The 927 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.