Availa Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Availa Bank of Carroll, IA against its peer group of 931 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 | 0.94% | 1.46% | -0.52% | 26th below |
| ROAE | 10.75% | 12.72% | -1.97% | 38th below |
| Net Interest Margin | 3.03% | 3.85% | -0.82% | 16th bottom |
| Efficiency Ratio | 59.80% | 57.40% | +2.40% | 46th below |
| PPNR / Avg Assets | 1.18% | 1.88% | -0.70% | 22nd bottom |
| Yield on Earning Assets | 5.08% | 5.72% | -0.64% | 24th bottom |
| Cost of Funds | 2.18% | 2.02% | +0.16% | 38th below |
| Net Interest Spread | 2.61% | 3.18% | -0.57% | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.35% | 1.00% | -0.65% | 69th above |
| NPA / Total Assets | 0.24% | 0.76% | -0.52% | 71st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.43% | -0.35% | 33rd below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.18% | 1.31% | -0.13% | 54th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 339.00% | 543.49% | -204.49% | 73rd above |
| Texas Ratio | 2.85% | 7.39% | -4.54% | 67th above |
| Provision / NCO | 122.22% | 619.00% | -496.78% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.55% | 17.34% | -4.79% | 34th below |
| Tier 1 Ratio | 12.55% | 17.37% | -4.82% | 33rd below |
| Total Capital Ratio | 13.66% | 18.42% | -4.76% | 34th below |
| Leverage Ratio | 9.33% | 11.44% | -2.11% | 19th bottom |
| Equity / Assets | 9.01% | 11.34% | -2.33% | 21st bottom |
| TCE / Tangible Assets | 7.81% | 10.50% | -2.69% | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.82% | 86.96% | -3.14% | 61st above |
| Core Deposit Ratio | 85.15% | 85.55% | -0.40% | 35th below |
| Uninsured Deposit Ratio | 35.18% | 33.12% | +2.06% | 39th below |
| Wholesale Funding Ratio | 8.24% | 5.70% | +2.54% | 22nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.98% | 9.68% | -4.70% | 49th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.90% | 8.06% | -2.16% | 51st above |
| Deposit Growth (Y/Y) | 4.42% | 7.87% | -3.45% | 48th below |
See Availa Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Availa 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 Availa Bank profile, how to read a UBPR, or how this data updates.