The Baldwin State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Baldwin State Bank of Baldwin City, KS against its peer group of 2603 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 | 1.20% | 1.34% | -0.14% | 45th below |
| ROAE Behind the peer average, ahead of the median peer. | 12.29% | 13.32% | -1.03% | 50th above |
| Net Interest Margin | 3.02% | 3.93% | -0.91% | 10th bottom |
| Efficiency Ratio | 63.58% | 61.13% | +2.45% | 43rd below |
| PPNR / Avg Assets | 1.22% | 1.68% | -0.46% | 29th below |
| Yield on Earning Assets | 4.73% | 5.67% | -0.94% | 14th bottom |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.84% | 1.88% | -0.04% | 48th below |
| Net Interest Spread | 2.26% | 3.32% | -1.06% | 7th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.94% | -0.90% | 81st top |
| NPA / Total Assets | 0.01% | 0.70% | -0.69% | 84th top |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 90th top |
| ACL / Total Loans | 1.34% | 1.28% | +0.06% | 66th above |
| ACL / NPLs (Coverage) | 3782.35% | 1545.85% | +2236.50% | — |
| Texas Ratio | 0.14% | 7.34% | -7.20% | 87th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.14% | 12.14% | -2.00% | 35th below |
| Equity / Assets | 9.59% | 11.36% | -1.77% | 38th below |
| TCE / Tangible Assets | 9.59% | 11.08% | -1.49% | 42nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 46.76% | 80.67% | -33.91% | 93rd top |
| Core Deposit Ratio | 93.86% | 86.85% | +7.01% | 79th top |
| Wholesale Funding Ratio | 1.30% | 5.04% | -3.74% | 78th top |
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. | 5.69% | 6.84% | -1.15% | 60th above |
| Loan Growth (Y/Y) | -1.22% | 7.92% | -9.14% | 18th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.96% | 6.29% | -0.33% | 64th above |
See The Baldwin State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Baldwin 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 The Baldwin State Bank profile, how to read a UBPR, or how this data updates.