Elk State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Elk State Bank of Clyde, KS against its peer group of 2603 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 | 0.67% | 1.34% | -0.67% | 18th bottom |
| ROAE | 9.26% | 13.32% | -4.06% | 32nd below |
| Net Interest Margin | 3.18% | 3.93% | -0.75% | 15th bottom |
| Efficiency Ratio | 69.03% | 61.13% | +7.90% | 30th below |
| PPNR / Avg Assets | 0.83% | 1.68% | -0.85% | 15th bottom |
| Yield on Earning Assets | 5.28% | 5.67% | -0.39% | 34th below |
| Cost of Funds | 2.12% | 1.88% | +0.24% | 31st below |
| Net Interest Spread | 2.63% | 3.32% | -0.69% | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 85th top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 86th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.33% | 1.28% | +0.05% | 65th above |
| ACL / NPLs (Coverage) | 34433.33% | 1541.29% | +32892.04% | — |
| Texas Ratio | 0.03% | 7.34% | -7.31% | 89th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.01% | 19.49% | -5.48% | 39th below |
| Tier 1 Ratio | 14.01% | 19.52% | -5.51% | 39th below |
| Total Capital Ratio | 15.26% | 20.61% | -5.35% | 40th below |
| Leverage Ratio | 8.25% | 12.14% | -3.89% | 4th bottom |
| Equity / Assets | 7.20% | 11.37% | -4.17% | 8th bottom |
| TCE / Tangible Assets | 7.20% | 11.08% | -3.88% | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.35% | 80.66% | -9.31% | 68th above |
| Core Deposit Ratio | 89.33% | 86.85% | +2.48% | 51st above |
| Wholesale Funding Ratio | 13.77% | 5.03% | +8.74% | 6th 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. | 4.63% | 6.84% | -2.21% | 52nd above |
| Loan Growth (Y/Y) | 12.46% | 7.92% | +4.54% | 81st top |
| Deposit Growth (Y/Y) | 9.83% | 6.29% | +3.54% | 82nd top |
See Elk State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Elk 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 Elk State Bank profile, how to read a UBPR, or how this data updates.