Cedar Valley Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cedar Valley Bank & Trust of La Porte City, 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 | 1.57% | 1.25% | +0.32% | 66th above |
| ROAE | 17.66% | 13.17% | +4.49% | 78th top |
| Net Interest Margin | 4.27% | 3.95% | +0.32% | 68th above |
| Efficiency Ratio | 61.78% | 61.50% | +0.28% | 48th below |
| PPNR / Avg Assets | 1.67% | — | — | 54th above |
| Yield on Earning Assets | 5.86% | 5.67% | +0.19% | 62nd above |
| Cost of Funds | 1.71% | 1.87% | -0.16% | 56th above |
| Net Interest Spread | 3.75% | — | — | 72nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.53% | 0.93% | -0.40% | 44th below |
| NPA / Total Assets | 0.87% | — | — | 24th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.15% | -0.08% | 22nd bottom |
| ACL / Total Loans | 0.75% | — | — | 9th bottom |
| ACL / NPLs (Coverage) | 142.86% | — | — | 39th below |
| Texas Ratio | 15.93% | 6.06% | +9.87% | 8th bottom |
| Provision / NCO | 144.74% | — | — | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.72% | 17.18% | -4.46% | 24th bottom |
| Tier 1 Ratio | 12.72% | 17.21% | -4.49% | 24th bottom |
| Total Capital Ratio | 13.67% | — | — | 23rd bottom |
| Leverage Ratio | 9.01% | 11.75% | -2.74% | 12th bottom |
| Equity / Assets | 8.96% | 10.98% | -2.02% | 26th below |
| TCE / Tangible Assets | 8.96% | — | — | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.71% | 80.44% | +18.27% | 13th bottom |
| Core Deposit Ratio | 90.64% | 86.95% | +3.69% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.07% | — | — | 55th above |
| Loan Growth (Y/Y) | 1.26% | — | — | 27th below |
| Deposit Growth (Y/Y) | 19.46% | — | — | 94th top |
See Cedar Valley Bank & Trust's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cedar Valley Bank & Trust, 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 Cedar Valley Bank & Trust 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 Cedar Valley Bank & Trust peer analysis.