Cherokee State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cherokee State Bank of Cherokee, 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 | 1.16% | 1.34% | -0.18% | 42nd below |
| ROAE | 11.53% | 13.31% | -1.78% | 45th below |
| Net Interest Margin | 3.07% | 3.93% | -0.86% | 12th bottom |
| Efficiency Ratio | 59.09% | 61.14% | -2.05% | 57th above |
| PPNR / Avg Assets | 1.50% | 1.68% | -0.18% | 44th below |
| Yield on Earning Assets | 5.13% | 5.67% | -0.54% | 28th below |
| Cost of Funds | 2.08% | 1.88% | +0.20% | 33rd below |
| Net Interest Spread | 2.63% | 3.32% | -0.69% | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.22% | 0.16% | -0.38% | 99th top |
| ACL / Total Loans | 1.18% | 1.28% | -0.10% | 48th below |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.03% | 12.14% | +0.89% | 75th top |
| Equity / Assets | 10.18% | 11.37% | -1.19% | 47th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.18% | 11.09% | -0.91% | 52nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.47% | 80.64% | +2.83% | 44th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.27% | 86.86% | +0.41% | 40th below |
| Wholesale Funding Ratio | 8.84% | 5.03% | +3.81% | 18th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.15% | 6.85% | -2.70% | 48th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.61% | 7.90% | -2.29% | 52nd above |
| Deposit Growth (Y/Y) | 1.52% | 6.29% | -4.77% | 32nd below |
See Cherokee State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cherokee 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 Cherokee State Bank profile, how to read a UBPR, or how this data updates.