Defiance State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Defiance State Bank of Defiance, IA against its peer group of 578 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 | 0.73% | 0.85% | -0.12% | 34th below |
| ROAE Ahead of the peer average, behind the median peer. | 7.49% | 5.23% | +2.26% | 43rd below |
| Net Interest Margin | 4.06% | 3.94% | +0.12% | 58th above |
| Efficiency Ratio | 78.33% | 76.13% | +2.20% | 33rd below |
| PPNR / Avg Assets | 0.77% | — | — | 26th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.41% | 5.42% | -0.01% | 59th above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.59% | 1.69% | -0.10% | 48th below |
| Net Interest Spread | 3.80% | — | — | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 1.23% | -1.15% | 66th above |
| NPA / Total Assets | 0.06% | — | — | 60th above |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.62% | — | — | 7th bottom |
| ACL / NPLs (Coverage) | 800.00% | — | — | 87th top |
| Texas Ratio | 0.57% | 7.23% | -6.66% | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.86% | 14.13% | -4.27% | 16th bottom |
| Equity / Assets | 9.87% | 13.07% | -3.20% | 24th bottom |
| TCE / Tangible Assets | 9.87% | — | — | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.94% | 68.58% | +27.36% | 13th bottom |
| Core Deposit Ratio | 88.06% | 88.79% | -0.73% | 32nd below |
| Wholesale Funding Ratio | 10.75% | — | — | 13th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.75% | — | — | 78th top |
| Loan Growth (Y/Y) | 10.89% | — | — | 78th top |
| Deposit Growth (Y/Y) | 3.85% | — | — | 57th above |
See Defiance State Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Defiance 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 Defiance State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Defiance State Bank peer analysis.