First Iowa State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Iowa State Bank of Albia, 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 | 2.28% | 1.34% | +0.94% | 92nd top |
| ROAE | 26.95% | 13.31% | +13.64% | 97th top |
| Net Interest Margin | 4.87% | 3.93% | +0.94% | 90th top |
| Efficiency Ratio | 44.32% | 61.15% | -16.83% | 90th top |
| PPNR / Avg Assets | 2.81% | 1.68% | +1.13% | 94th top |
| Yield on Earning Assets | 6.14% | 5.67% | +0.47% | 75th top |
| Cost of Funds | 1.34% | 1.88% | -0.54% | 78th top |
| Net Interest Spread | 4.62% | 3.32% | +1.30% | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.24% | 0.94% | +1.30% | 11th bottom |
| NPA / Total Assets | 1.66% | 0.70% | +0.96% | 10th bottom |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 85th top |
| ACL / Total Loans | 1.75% | 1.28% | +0.47% | 89th top |
| ACL / NPLs (Coverage) | 78.00% | 1539.29% | -1461.29% | 21st bottom |
| Texas Ratio | 17.47% | 7.33% | +10.14% | 10th bottom |
| Provision / NCO | 85.31% | 1396.25% | -1310.94% | 36th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.20% | 12.14% | -1.94% | 36th below |
| Equity / Assets | 8.68% | 11.38% | -2.70% | 22nd bottom |
| TCE / Tangible Assets | 8.53% | 11.09% | -2.56% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.65% | 80.64% | +1.01% | 48th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.85% | 86.86% | +1.99% | 49th below |
| Wholesale Funding Ratio | 0.27% | 5.04% | -4.77% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.23% | 6.85% | +0.38% | 70th above |
| Loan Growth (Y/Y) | 8.81% | 7.90% | +0.91% | 69th above |
| Deposit Growth (Y/Y) | 8.44% | 6.29% | +2.15% | 78th top |
See First Iowa State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Iowa 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 First Iowa State Bank profile, how to read a UBPR, or how this data updates.