Bison State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bison State Bank of Bison, KS 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 | 0.37% | 1.25% | -0.88% | 8th bottom |
| ROAE | 3.48% | 13.17% | -9.69% | 9th bottom |
| Net Interest Margin | 4.33% | 3.95% | +0.38% | 72nd above |
| Efficiency Ratio | 93.28% | 61.50% | +31.78% | 4th bottom |
| PPNR / Avg Assets | 0.61% | — | — | 9th bottom |
| Yield on Earning Assets | 7.32% | 5.67% | +1.65% | 97th top |
| Cost of Funds | 3.21% | 1.87% | +1.34% | 3rd bottom |
| Net Interest Spread | 3.87% | — | — | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 0.93% | -0.81% | 71st above |
| NPA / Total Assets | 0.09% | — | — | 71st above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 81st top |
| ACL / Total Loans | 0.95% | — | — | 21st bottom |
| ACL / NPLs (Coverage) | 789.92% | — | — | 79th top |
| Texas Ratio | 2.22% | 6.06% | -3.84% | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.26% | 11.75% | -1.49% | 37th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.62% | 10.98% | -0.36% | 54th above |
| TCE / Tangible Assets | 10.62% | — | — | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.10% | 80.44% | +19.66% | 11th bottom |
| Core Deposit Ratio | 74.87% | 86.95% | -12.08% | 9th bottom |
| Wholesale Funding Ratio | 9.96% | — | — | 14th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 23.90% | — | — | 96th top |
| Loan Growth (Y/Y) | 38.40% | — | — | 98th top |
| Deposit Growth (Y/Y) | 8.80% | — | — | 79th top |
See Bison State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bison 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 Bison State Bank profile, how to read a UBPR, or how this data updates.