Dayspring Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Dayspring Bank of Gothenburg, NE against its peer group of 927 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 | 1.10% | 1.46% | -0.36% | 36th below |
| ROAE | 10.85% | 12.69% | -1.84% | 39th below |
| Net Interest Margin | 2.86% | 3.85% | -0.99% | 10th bottom |
| Efficiency Ratio Behind the peer average, ahead of the median peer. | 57.83% | 57.40% | +0.43% | 52nd above |
| PPNR / Avg Assets | 1.38% | 1.88% | -0.50% | 30th below |
| Yield on Earning Assets | 5.75% | 5.72% | +0.03% | 63rd above |
| Cost of Funds | 3.14% | 2.02% | +1.12% | 6th bottom |
| Net Interest Spread | 2.25% | 3.18% | -0.93% | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.85% | 1.00% | +0.85% | 12th bottom |
| NPA / Total Assets | 1.35% | 0.76% | +0.59% | 15th bottom |
| NCO / Avg Loans | -0.12% | 0.43% | -0.55% | 99th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.29% | 1.31% | -0.02% | 68th above |
| ACL / NPLs (Coverage) | 69.79% | 564.60% | -494.81% | 16th bottom |
| Texas Ratio | 13.74% | 7.39% | +6.35% | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.71% | 11.44% | -0.73% | 55th above |
| Equity / Assets | 10.24% | 11.34% | -1.10% | 47th below |
| TCE / Tangible Assets | 9.72% | 10.50% | -0.78% | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.33% | 86.95% | +6.38% | 35th below |
| Core Deposit Ratio | 57.92% | 85.57% | -27.65% | 3rd bottom |
| Uninsured Deposit Ratio | 14.33% | 33.13% | -18.80% | 93rd top |
| Wholesale Funding Ratio | 13.39% | 5.70% | +7.69% | 8th bottom |
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. | 6.82% | 9.68% | -2.86% | 61st above |
| Loan Growth (Y/Y) | 8.22% | 8.06% | +0.16% | 65th above |
| Deposit Growth (Y/Y) | 0.20% | 7.88% | -7.68% | 20th bottom |
See Dayspring Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Dayspring 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 Dayspring Bank profile, how to read a UBPR, or how this data updates.