Dysart State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Dysart State Bank of Dysart, 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 | 2.37% | 0.85% | +1.52% | 88th top |
| ROAE | 21.06% | 5.23% | +15.83% | 92nd top |
| Net Interest Margin | 5.21% | 3.94% | +1.27% | 90th top |
| Efficiency Ratio | 47.21% | 76.13% | -28.92% | 92nd top |
| PPNR / Avg Assets | 2.41% | — | — | 88th top |
| Yield on Earning Assets | 5.87% | 5.42% | +0.45% | 72nd above |
| Cost of Funds | 0.68% | 1.69% | -1.01% | 92nd top |
| Net Interest Spread | 4.96% | — | — | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.68% | 1.23% | +0.45% | 25th below |
| NPA / Total Assets | 1.24% | — | — | 18th bottom |
| NCO / Avg Loans | -0.03% | 0.11% | -0.14% | 88th top |
| ACL / Total Loans | 1.02% | — | — | 30th below |
| ACL / NPLs (Coverage) | 60.98% | — | — | 29th below |
| Texas Ratio | 9.88% | 7.23% | +2.65% | 18th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 16.09% | 25.12% | -9.03% | 26th below |
| Tier 1 Ratio | 16.09% | 25.12% | -9.03% | 26th below |
| Total Capital Ratio | 17.12% | — | — | 27th below |
| Leverage Ratio | 11.41% | 14.13% | -2.72% | 32nd below |
| Equity / Assets | 11.79% | 13.07% | -1.28% | 44th below |
| TCE / Tangible Assets | 11.79% | — | — | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.16% | 68.58% | +23.58% | 16th bottom |
| Core Deposit Ratio | 100.00% | 88.79% | +11.21% | 97th top |
| Wholesale Funding Ratio | 7.86% | — | — | 22nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -10.78% | — | — | 3rd bottom |
| Loan Growth (Y/Y) | -0.23% | — | — | 38th below |
| Deposit Growth (Y/Y) | -10.74% | — | — | 4th bottom |
See Dysart State Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Dysart 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 Dysart 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 Dysart State Bank peer analysis.