Chelsea Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Chelsea Savings Bank of Belle Plaine, IA against its peer group of 2672 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 | 1.67% | 1.34% | +0.33% | 73rd above |
| ROAE | 15.63% | 13.31% | +2.32% | 69th above |
| Net Interest Margin | 3.46% | 3.93% | -0.47% | 26th below |
| Efficiency Ratio | 42.65% | 61.14% | -18.49% | 92nd top |
| PPNR / Avg Assets | 1.74% | 1.68% | +0.06% | 59th above |
| Yield on Earning Assets | 4.82% | 5.67% | -0.85% | 17th bottom |
| Cost of Funds | 1.59% | 1.88% | -0.29% | 63rd above |
| Net Interest Spread | 2.87% | 3.32% | -0.45% | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.24% | 0.94% | -0.70% | 61st above |
| NPA / Total Assets | 0.10% | 0.70% | -0.60% | 69th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.70% | 1.28% | -0.58% | 7th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 286.41% | 1538.93% | -1252.52% | 59th above |
| Texas Ratio | 0.92% | 7.33% | -6.41% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.01% | 12.14% | +3.87% | 90th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.31% | 11.37% | -0.06% | 64th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.06% | 11.09% | -0.03% | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 48.58% | 80.64% | -32.06% | 92nd top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.44% | 86.86% | +1.58% | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.11% | 6.85% | -4.74% | 33rd below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.08% | 7.90% | -0.82% | 61st above |
| Deposit Growth (Y/Y) | -0.04% | 6.29% | -6.33% | 23rd bottom |
See Chelsea Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Chelsea Savings 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 Chelsea Savings Bank profile, how to read a UBPR, or how this data updates.