Audubon State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Audubon State Bank of Audubon, IA against its peer group of 2757 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 | 2.50% | 1.25% | +1.25% | 94th top |
| ROAE | 21.55% | 12.22% | +9.33% | 91st top |
| Net Interest Margin | 4.46% | 3.95% | +0.51% | 77th top |
| Efficiency Ratio | 39.20% | 63.71% | -24.51% | 96th top |
| PPNR / Avg Assets | 2.60% | — | — | 91st top |
| Yield on Earning Assets | 6.03% | 5.67% | +0.36% | 69th above |
| Cost of Funds | 1.67% | 1.87% | -0.20% | 58th above |
| Net Interest Spread | 4.12% | — | — | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.20% | 0.88% | -0.68% | 65th above |
| NPA / Total Assets | 0.16% | — | — | 64th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.10% | — | — | 39th below |
| ACL / NPLs (Coverage) | 549.80% | — | — | 72nd above |
| Texas Ratio | 1.36% | 5.96% | -4.60% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.41% | 17.18% | -2.77% | 43rd below |
| Tier 1 Ratio | 14.41% | 17.21% | -2.80% | 43rd below |
| Total Capital Ratio | 15.57% | — | — | 43rd below |
| Leverage Ratio | 10.46% | 11.75% | -1.29% | 40th below |
| Equity / Assets | 12.36% | 10.98% | +1.38% | 74th above |
| TCE / Tangible Assets | 10.96% | — | — | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.02% | 80.44% | +13.58% | 21st bottom |
| Core Deposit Ratio | 82.85% | 86.95% | -4.10% | 24th bottom |
| Wholesale Funding Ratio | 2.91% | — | — | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.78% | — | — | 23rd bottom |
| Loan Growth (Y/Y) | 1.51% | — | — | 28th below |
| Deposit Growth (Y/Y) | 0.08% | — | — | 23rd bottom |
See Audubon State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Audubon 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 Audubon State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Audubon State Bank peer analysis.