Atkins Savings Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Atkins Savings Bank & Trust of Atkins, 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 | 1.43% | 1.34% | +0.09% | 59th above |
| ROAE | 15.33% | 13.31% | +2.02% | 68th above |
| Net Interest Margin | 3.06% | 3.93% | -0.87% | 11th bottom |
| Efficiency Ratio | 37.98% | 61.14% | -23.16% | 97th top |
| PPNR / Avg Assets | 1.88% | 1.68% | +0.20% | 67th above |
| Yield on Earning Assets | 5.46% | 5.67% | -0.21% | 43rd below |
| Cost of Funds | 2.74% | 1.88% | +0.86% | 10th bottom |
| Net Interest Spread | 2.33% | 3.32% | -0.99% | 9th bottom |
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 | 0.49% | 0.16% | +0.33% | 6th bottom |
| ACL / Total Loans | 1.07% | 1.28% | -0.21% | 35th below |
| Texas Ratio | 0.32% | 7.33% | -7.01% | 83rd top |
| Provision / NCO | 21.19% | 1395.84% | -1374.65% | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.91% | 12.14% | -0.23% | 64th above |
| Equity / Assets | 9.75% | 11.37% | -1.62% | 40th below |
| TCE / Tangible Assets | 9.66% | 11.09% | -1.43% | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.02% | 80.64% | +3.38% | 43rd below |
| Core Deposit Ratio | 86.04% | 86.86% | -0.82% | 34th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.65% | 5.03% | -0.38% | 40th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.86% | 6.85% | -0.99% | 61st above |
| Loan Growth (Y/Y) | 13.63% | 7.90% | +5.73% | 84th top |
| Deposit Growth (Y/Y) | 6.53% | 6.29% | +0.24% | 67th above |
See Atkins Savings Bank & Trust's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Atkins Savings Bank & Trust, 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 Atkins Savings Bank & Trust profile, how to read a UBPR, or how this data updates.