The Baxter State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Baxter State Bank of Baxter Springs, KS against its peer group of 578 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 | 1.47% | 0.85% | +0.62% | 67th above |
| ROAE Ahead of the peer average, behind the median peer. | 7.55% | 5.23% | +2.32% | 44th below |
| Net Interest Margin | 5.89% | 3.94% | +1.95% | 97th top |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 74.86% | 76.13% | -1.27% | 39th below |
| PPNR / Avg Assets | 1.47% | — | — | 59th above |
| Yield on Earning Assets | 6.21% | 5.42% | +0.79% | 82nd top |
| Cost of Funds | 0.36% | 1.69% | -1.33% | 97th top |
| Net Interest Spread | 5.51% | — | — | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 1.11% | 1.23% | -0.12% | 33rd below |
| NPA / Total Assets | 0.73% | — | — | 28th below |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.70% | — | — | 76th top |
| ACL / NPLs (Coverage) | 152.55% | — | — | 53rd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.55% | 7.23% | -3.68% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 19.75% | 14.13% | +5.62% | 79th top |
| Equity / Assets | 19.79% | 13.07% | +6.72% | 79th top |
| TCE / Tangible Assets | 19.79% | — | — | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.09% | 68.58% | -4.49% | 55th above |
| Core Deposit Ratio | 94.56% | 88.79% | +5.77% | 69th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.77% | — | — | 60th above |
| Loan Growth (Y/Y) | -6.65% | — | — | 14th bottom |
| Deposit Growth (Y/Y) | 16.29% | — | — | 93rd top |
See The Baxter State Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Baxter 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 Baxter State Bank 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 The Baxter State Bank peer analysis.