Ashton State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ashton State Bank of Ashton, IA against its peer group of 536 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. | 1.55% | 3.14% | -1.59% | 70th above |
| ROAE | 13.17% | 10.41% | +2.76% | 74th above |
| Net Interest Margin | 3.62% | 3.93% | -0.31% | 36th below |
| Efficiency Ratio | 48.83% | 76.34% | -27.51% | 88th top |
| PPNR / Avg Assets | 1.79% | 1.40% | +0.39% | 73rd above |
| Yield on Earning Assets | 5.49% | 5.35% | +0.14% | 61st above |
| Cost of Funds | 2.18% | 1.70% | +0.48% | 21st bottom |
| Net Interest Spread | 3.22% | 3.31% | -0.09% | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.20% | 1.49% | -0.29% | 47th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.38% | 8.26% | -3.88% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.26% | 62.00% | -42.74% | 40th below |
| Tier 1 Ratio | 19.26% | 62.00% | -42.74% | 40th below |
| Total Capital Ratio | 20.26% | 62.97% | -42.71% | 39th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 14.70% | 17.61% | -2.91% | 62nd above |
| Equity / Assets | 12.04% | 16.43% | -4.39% | 47th below |
| TCE / Tangible Assets | 12.04% | 16.18% | -4.14% | 49th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.64% | 72.82% | +4.82% | 34th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 90.45% | 88.21% | +2.24% | 45th below |
| Wholesale Funding Ratio | 5.28% | 5.27% | +0.01% | 36th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.08% | 4.31% | -4.39% | 31st below |
| Loan Growth (Y/Y) | -1.47% | 6.74% | -8.21% | 34th below |
| Deposit Growth (Y/Y) | -1.47% | 3.78% | -5.25% | 26th below |
See Ashton State Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ashton 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 Ashton State Bank profile, how to read a UBPR, or how this data updates.