Bank Plus: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank Plus of Estherville, 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 | 1.36% | 1.25% | +0.11% | 55th above |
| ROAE | 11.48% | 12.22% | -0.74% | 44th below |
| Net Interest Margin | 4.58% | 3.95% | +0.63% | 82nd top |
| Efficiency Ratio | 67.57% | 63.71% | +3.86% | 33rd below |
| PPNR / Avg Assets | 1.50% | — | — | 43rd below |
| Yield on Earning Assets | 6.03% | 5.67% | +0.36% | 69th above |
| Cost of Funds | 1.54% | 1.87% | -0.33% | 67th above |
| Net Interest Spread | 4.10% | — | — | 86th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 94th top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 40th below |
| ACL / Total Loans | 0.70% | — | — | 7th bottom |
| Texas Ratio | 0.00% | 5.96% | -5.96% | 94th top |
| Provision / NCO | 500.00% | — | — | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.67% | 11.75% | -1.08% | 44th below |
| Equity / Assets | 12.08% | 10.98% | +1.10% | 71st above |
| TCE / Tangible Assets | 10.44% | — | — | 55th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 117.12% | 80.44% | +36.68% | 2nd bottom |
| Core Deposit Ratio | 92.45% | 86.95% | +5.50% | 70th above |
| Wholesale Funding Ratio | 15.74% | — | — | 4th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.38% | — | — | 9th bottom |
| Loan Growth (Y/Y) | 2.44% | — | — | 32nd below |
| Deposit Growth (Y/Y) | -6.52% | — | — | 4th bottom |
See Bank Plus's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank Plus, 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 Plus 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 Bank Plus peer analysis.