Central Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Central Bank of Storm Lake, IA against its peer group of 931 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 | 1.08% | 1.44% | -0.36% | 35th below |
| ROAE | 10.43% | 12.51% | -2.08% | 35th below |
| Net Interest Margin | 3.63% | 3.84% | -0.21% | 44th below |
| Efficiency Ratio | 65.76% | 58.86% | +6.90% | 29th below |
| PPNR / Avg Assets | 1.47% | 1.78% | -0.31% | 35th below |
| Yield on Earning Assets | 5.76% | 5.71% | +0.05% | 64th above |
| Cost of Funds | 2.25% | 2.03% | +0.22% | 33rd below |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.16% | 3.18% | -0.02% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.19% | 0.97% | -0.78% | 82nd top |
| NPA / Total Assets | 0.17% | 0.75% | -0.58% | 79th top |
| NCO / Avg Loans | 0.00% | 0.31% | -0.31% | 70th above |
| ACL / Total Loans | 0.99% | 1.25% | -0.26% | 29th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 512.80% | 699.05% | -186.25% | 82nd top |
| Texas Ratio | 4.04% | 7.16% | -3.12% | 56th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 384.62% | 815.10% | -430.48% | 72nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.60% | 17.42% | -6.82% | 4th bottom |
| Tier 1 Ratio | 10.60% | 17.45% | -6.85% | 4th bottom |
| Total Capital Ratio | 11.55% | 18.51% | -6.96% | 5th bottom |
| Leverage Ratio | 10.09% | 11.60% | -1.51% | 39th below |
| Equity / Assets | 10.35% | 11.33% | -0.98% | 49th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.88% | 10.65% | -0.77% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 106.65% | 86.33% | +20.32% | 8th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 85.88% | 85.56% | +0.32% | 37th below |
| Uninsured Deposit Ratio | 25.54% | 32.72% | -7.18% | 70th above |
| Wholesale Funding Ratio | 7.31% | 5.45% | +1.86% | 27th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.45% | 10.46% | -5.01% | 52nd above |
| Loan Growth (Y/Y) | 5.53% | 7.99% | -2.46% | 49th below |
| Deposit Growth (Y/Y) | 3.19% | 7.98% | -4.79% | 38th below |
See Central Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Central 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 Central Bank profile, how to read a UBPR, or how this data updates.