The Exchange State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Exchange State Bank of Springville, IA against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 1.16% | 3.33% | -2.17% | 56th above |
| ROAE | 13.52% | 8.28% | +5.24% | 75th top |
| Net Interest Margin | 3.70% | 3.92% | -0.22% | 40th below |
| Efficiency Ratio | 64.30% | 84.50% | -20.20% | 63rd above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.40% | 1.56% | -0.16% | 58th above |
| Yield on Earning Assets | 5.19% | 5.24% | -0.05% | 49th below |
| Cost of Funds | 1.88% | 1.67% | +0.21% | 33rd below |
| Net Interest Spread | 3.30% | 3.30% | +0.00% | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.57% | 1.42% | -0.85% | 41st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.31% | 0.71% | -0.40% | 41st below |
| NCO / Avg Loans | -0.04% | 0.15% | -0.19% | 90th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.38% | 1.53% | -0.15% | 62nd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 243.21% | 722.73% | -479.52% | 64th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.27% | 8.57% | -5.30% | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.51% | 22.10% | -12.59% | 14th bottom |
| Equity / Assets | 8.64% | 20.74% | -12.10% | 14th bottom |
| TCE / Tangible Assets | 8.64% | 20.50% | -11.86% | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.41% | 74.29% | -14.88% | 61st above |
| Core Deposit Ratio | 92.35% | 88.30% | +4.05% | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.08% | 3.83% | -3.91% | 32nd below |
| Loan Growth (Y/Y) | -4.25% | 6.87% | -11.12% | 22nd bottom |
| Deposit Growth (Y/Y) | 0.37% | 2.98% | -2.61% | 40th below |
See The Exchange State Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Exchange 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 Exchange State Bank profile, how to read a UBPR, or how this data updates.