Flatwater Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Flatwater Bank of Gothenburg, NE 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 | 1.54% | 1.34% | +0.20% | 65th above |
| ROAE | 18.23% | 13.32% | +4.91% | 81st top |
| Net Interest Margin | 3.83% | 3.93% | -0.10% | 44th below |
| Efficiency Ratio | 57.35% | 61.13% | -3.78% | 62nd above |
| PPNR / Avg Assets | 1.88% | 1.68% | +0.20% | 67th above |
| Yield on Earning Assets | 6.06% | 5.67% | +0.39% | 71st above |
| Cost of Funds | 2.37% | 1.88% | +0.49% | 19th bottom |
| Net Interest Spread | 3.47% | 3.32% | +0.15% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.58% | 0.94% | +0.64% | 17th bottom |
| NPA / Total Assets | 1.18% | 0.70% | +0.48% | 16th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 47th below |
| ACL / Total Loans | 1.39% | 1.28% | +0.11% | 71st above |
| ACL / NPLs (Coverage) | 88.12% | 1546.69% | -1458.57% | 24th bottom |
| Texas Ratio | 15.34% | 7.33% | +8.01% | 12th bottom |
| Provision / NCO | 2432.26% | 1394.31% | +1037.95% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.38% | 12.14% | -2.76% | 19th bottom |
| Equity / Assets | 8.09% | 11.37% | -3.28% | 15th bottom |
| TCE / Tangible Assets | 7.59% | 11.08% | -3.49% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.91% | 80.66% | +5.25% | 38th below |
| Core Deposit Ratio | 65.45% | 86.86% | -21.41% | 3rd bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.68% | 5.04% | -1.36% | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.49% | 6.84% | +7.65% | 91st top |
| Loan Growth (Y/Y) | 10.90% | 7.92% | +2.98% | 76th top |
| Deposit Growth (Y/Y) | 20.98% | 6.28% | +14.70% | 95th top |
See Flatwater Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Flatwater 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 Flatwater Bank profile, how to read a UBPR, or how this data updates.