Battle Creek State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Battle Creek State Bank of Battle Creek, NE against its peer group of 506 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 | 0.96% | 3.13% | -2.17% | 45th below |
| ROAE | 6.67% | 10.31% | -3.64% | 40th below |
| Net Interest Margin | 3.86% | 3.94% | -0.08% | 49th below |
| Efficiency Ratio | 78.61% | 76.31% | +2.30% | 34th below |
| PPNR / Avg Assets | 1.04% | 1.40% | -0.36% | 40th below |
| Yield on Earning Assets | 5.96% | 5.35% | +0.61% | 75th top |
| Cost of Funds | 2.40% | 1.70% | +0.70% | 17th bottom |
| Net Interest Spread | 3.15% | 3.32% | -0.17% | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 1.34% | -1.21% | 56th above |
| NPA / Total Assets | 0.10% | 0.71% | -0.61% | 52nd above |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 0.70% | 1.49% | -0.79% | 10th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 529.73% | 866.14% | -336.41% | 81st top |
| Texas Ratio | 0.73% | 8.28% | -7.55% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 16.51% | 62.36% | -45.85% | 30th below |
| Tier 1 Ratio | 16.51% | 62.36% | -45.85% | 30th below |
| Total Capital Ratio | 17.17% | 63.33% | -46.16% | 29th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 14.45% | 17.65% | -3.20% | 61st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 13.78% | 16.45% | -2.67% | 59th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 13.78% | 16.20% | -2.42% | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.41% | 72.80% | +18.61% | 17th bottom |
| Core Deposit Ratio | 69.56% | 88.31% | -18.75% | 4th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 70.87% | 4.13% | +66.74% | 100th top |
| Loan Growth (Y/Y) | 104.10% | 6.56% | +97.54% | 99th top |
| Deposit Growth (Y/Y) | 66.40% | 3.60% | +62.80% | 100th top |
See Battle Creek State Bank's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Battle Creek 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 Battle Creek State Bank profile, how to read a UBPR, or how this data updates.