Bank Iowa: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank Iowa of West Des Moines, 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 Behind the peer average, ahead of the median peer. | 1.32% | 1.44% | -0.12% | 53rd above |
| ROAE | 16.23% | 12.50% | +3.73% | 78th top |
| Net Interest Margin | 3.67% | 3.84% | -0.17% | 47th below |
| Efficiency Ratio | 60.28% | 58.87% | +1.41% | 44th below |
| PPNR / Avg Assets | 1.50% | 1.78% | -0.28% | 37th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.60% | 5.71% | -0.11% | 54th above |
| Cost of Funds | 2.17% | 2.03% | +0.14% | 39th below |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.10% | 3.18% | -0.08% | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.35% | 0.96% | +0.39% | 22nd bottom |
| NPA / Total Assets | 1.08% | 0.75% | +0.33% | 22nd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.31% | -0.23% | 32nd below |
| ACL / Total Loans | 1.35% | 1.25% | +0.10% | 76th top |
| ACL / NPLs (Coverage) | 100.32% | 699.50% | -599.18% | 30th below |
| Texas Ratio | 11.95% | 7.16% | +4.79% | 18th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 198.60% | 815.35% | -616.75% | 57th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.87% | 17.42% | -6.55% | 8th bottom |
| Tier 1 Ratio | 10.87% | 17.45% | -6.58% | 7th bottom |
| Total Capital Ratio | 12.10% | 18.51% | -6.41% | 10th bottom |
| Leverage Ratio | 8.94% | 11.60% | -2.66% | 10th bottom |
| Equity / Assets | 8.65% | 11.33% | -2.68% | 15th bottom |
| TCE / Tangible Assets | 8.23% | 10.65% | -2.42% | 16th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.15% | 86.35% | +4.80% | 41st below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.15% | 85.56% | +0.59% | 38th below |
| Uninsured Deposit Ratio | 36.32% | 32.70% | +3.62% | 36th below |
| Wholesale Funding Ratio | 6.39% | 5.45% | +0.94% | 32nd 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. | 5.49% | 10.46% | -4.97% | 52nd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.07% | 7.99% | -0.92% | 59th above |
| Deposit Growth (Y/Y) | 8.71% | 7.98% | +0.73% | 71st above |
See Bank Iowa's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank Iowa, 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 Bank Iowa profile, how to read a UBPR, or how this data updates.