The Denison State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Denison State Bank of Holton, KS against its peer group of 2757 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 | 2.24% | 1.25% | +0.99% | 91st top |
| ROAE | 14.21% | 12.22% | +1.99% | 61st above |
| Net Interest Margin | 4.17% | 3.95% | +0.22% | 62nd above |
| Efficiency Ratio | 50.90% | 63.71% | -12.81% | 79th top |
| PPNR / Avg Assets | 2.28% | — | — | 82nd top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.62% | 5.67% | -0.05% | 51st above |
| Cost of Funds | 1.64% | 1.87% | -0.23% | 60th above |
| Net Interest Spread | 3.61% | — | — | 65th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.08% | 0.88% | +0.20% | 26th below |
| NPA / Total Assets | 0.73% | — | — | 29th below |
| NCO / Avg Loans | 1.64% | 0.15% | +1.49% | 2nd bottom |
| ACL / Total Loans | 1.02% | — | — | 29th below |
| ACL / NPLs (Coverage) | 94.20% | — | — | 25th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.23% | 5.96% | -1.73% | 39th below |
| Provision / NCO | 0.00% | — | — | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.53% | 11.75% | +5.78% | 94th top |
| Equity / Assets | 16.49% | 10.98% | +5.51% | 92nd top |
| TCE / Tangible Assets | 16.49% | — | — | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.24% | 80.44% | +1.80% | 47th below |
| Core Deposit Ratio | 90.42% | 86.95% | +3.47% | 57th above |
| Wholesale Funding Ratio | 1.81% | — | — | 71st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.74% | — | — | 15th bottom |
| Loan Growth (Y/Y) | 2.31% | — | — | 32nd below |
| Deposit Growth (Y/Y) | -1.69% | — | — | 14th bottom |
See The Denison State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Denison 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 The Denison 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 The Denison State Bank peer analysis.