Capra Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Capra Bank of Dubuque, IA against its peer group of 941 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 | 1.12% | 1.34% | -0.22% | 36th below |
| ROAE | 14.62% | 12.34% | +2.28% | 67th above |
| Net Interest Margin | 3.18% | 3.83% | -0.65% | 21st bottom |
| Efficiency Ratio | 50.54% | 58.97% | -8.43% | 75th top |
| PPNR / Avg Assets | 1.67% | — | — | 45th below |
| Yield on Earning Assets | 5.84% | 5.71% | +0.13% | 68th above |
| Cost of Funds | 2.80% | 2.02% | +0.78% | 11th bottom |
| Net Interest Spread | 2.88% | — | — | 36th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.87% | -0.87% | 99th top |
| NPA / Total Assets | 0.00% | — | — | 98th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 78th top |
| ACL / Total Loans | 0.95% | — | — | 24th bottom |
| Texas Ratio | 0.00% | 5.48% | -5.48% | 98th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.62% | 14.99% | +0.63% | 75th top |
| Tier 1 Ratio | 15.62% | 15.02% | +0.60% | 75th top |
| Total Capital Ratio | 16.41% | — | — | 72nd above |
| Leverage Ratio | 8.91% | 11.11% | -2.20% | 10th bottom |
| Equity / Assets | 8.47% | 11.02% | -2.55% | 12th bottom |
| TCE / Tangible Assets | 8.10% | — | — | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 50.97% | 86.99% | -36.02% | 96th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.29% | 85.57% | +1.72% | 43rd below |
| Wholesale Funding Ratio | 8.59% | — | — | 20th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 74.26% | — | — | 99th top |
| Loan Growth (Y/Y) | 59.62% | — | — | 99th top |
| Deposit Growth (Y/Y) | 57.73% | — | — | 98th top |
See Capra Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Capra 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 Capra 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 Capra Bank peer analysis.