Earlham Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Earlham Savings Bank of West Des Moines, IA against its peer group of 2672 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 | 1.11% | 1.34% | -0.23% | 39th below |
| ROAE | 11.85% | 13.31% | -1.46% | 47th below |
| Net Interest Margin | 3.74% | 3.93% | -0.19% | 39th below |
| Efficiency Ratio | 60.48% | 61.14% | -0.66% | 53rd above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.59% | 1.68% | -0.09% | 50th above |
| Yield on Earning Assets | 5.35% | 5.67% | -0.32% | 37th below |
| Cost of Funds | 1.75% | 1.88% | -0.13% | 53rd above |
| Net Interest Spread | 3.01% | 3.32% | -0.31% | 33rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.07% | 0.94% | -0.87% | 76th top |
| NPA / Total Assets | 0.04% | 0.70% | -0.66% | 79th top |
| NCO / Avg Loans | -0.07% | 0.16% | -0.23% | 96th top |
| ACL / Total Loans | 2.68% | 1.28% | +1.40% | 98th top |
| ACL / NPLs (Coverage) | 3901.28% | 1537.72% | +2363.56% | — |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.78% | 7.33% | -2.55% | 43rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.78% | 19.50% | -2.72% | 62nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.78% | 19.54% | -2.76% | 62nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.05% | 20.62% | -2.57% | 63rd above |
| Leverage Ratio | 9.53% | 12.14% | -2.61% | 22nd bottom |
| Equity / Assets | 9.66% | 11.37% | -1.71% | 39th below |
| TCE / Tangible Assets | 9.66% | 11.09% | -1.43% | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.91% | 80.64% | -14.73% | 76th top |
| Core Deposit Ratio | 98.36% | 86.86% | +11.50% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.29% | 6.85% | -4.56% | 34th below |
| Loan Growth (Y/Y) | 5.24% | 7.90% | -2.66% | 49th below |
| Deposit Growth (Y/Y) | 1.89% | 6.29% | -4.40% | 35th below |
See Earlham Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Earlham Savings 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 Earlham Savings Bank profile, how to read a UBPR, or how this data updates.