Community Bank of Oelwein: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community Bank of Oelwein of Oelwein, IA against its peer group of 536 similarly-sized US banks as of Q3 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 Ahead of the peer average, behind the median peer. | 1.10% | 0.82% | +0.28% | 47th below |
| ROAE Ahead of the peer average, behind the median peer. | 7.91% | 4.81% | +3.10% | 38th below |
| Net Interest Margin | 3.45% | 3.95% | -0.50% | 25th below |
| Efficiency Ratio | 60.13% | 75.77% | -15.64% | 53rd above |
| PPNR / Avg Assets | 1.24% | — | — | 41st below |
| Yield on Earning Assets | 5.48% | 5.44% | +0.04% | 75th top |
| Cost of Funds | 2.25% | 1.71% | +0.54% | 12th bottom |
| Net Interest Spread | 3.01% | — | — | 22nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.40% | -1.40% | 78th top |
| NPA / Total Assets | 0.50% | — | — | 9th bottom |
| NCO / Avg Loans | -0.14% | 0.11% | -0.25% | 97th top |
| ACL / Total Loans | 0.83% | — | — | 25th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.39% | 8.94% | -5.55% | 28th below |
| Provision / NCO | 0.00% | — | — | 19th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.90% | 14.21% | +0.69% | 66th above |
| Equity / Assets | 14.13% | 13.16% | +0.97% | 75th top |
| TCE / Tangible Assets | 14.13% | — | — | 75th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.30% | 69.13% | +13.17% | 25th below |
| Core Deposit Ratio | 83.17% | 88.78% | -5.61% | 19th bottom |
| Wholesale Funding Ratio | 3.80% | — | — | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -13.67% | — | — | 0th bottom |
| Loan Growth (Y/Y) | -8.24% | — | — | 9th bottom |
| Deposit Growth (Y/Y) | -12.81% | — | — | 0th bottom |
See Community Bank of Oelwein's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community Bank of Oelwein, 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 Community Bank of Oelwein profile, how to read a UBPR, or how this data updates.