Garden Plain State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Garden Plain State Bank of Wichita, 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 | 2.06% | 1.34% | +0.72% | 87th top |
| ROAE | 14.30% | 13.32% | +0.98% | 62nd above |
| Net Interest Margin | 3.70% | 3.93% | -0.23% | 37th below |
| Efficiency Ratio | 32.47% | 61.14% | -28.67% | 98th top |
| PPNR / Avg Assets | 2.69% | 1.68% | +1.01% | 92nd top |
| Yield on Earning Assets | 5.11% | 5.67% | -0.56% | 27th below |
| Cost of Funds | 1.60% | 1.88% | -0.28% | 63rd above |
| Net Interest Spread | 3.07% | 3.32% | -0.25% | 36th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.28% | 0.94% | +0.34% | 22nd bottom |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.38% | 0.70% | -0.32% | 45th below |
| NCO / Avg Loans | -0.04% | 0.16% | -0.20% | 94th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.28% | -0.01% | 58th above |
| ACL / NPLs (Coverage) | 99.18% | 1546.41% | -1447.23% | 27th below |
| Texas Ratio | 2.57% | 7.34% | -4.77% | 57th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 25.80% | 19.48% | +6.32% | 89th top |
| Tier 1 Ratio | 25.80% | 19.52% | +6.28% | 89th top |
| Total Capital Ratio | 26.63% | 20.60% | +6.03% | 89th top |
| Leverage Ratio | 15.24% | 12.14% | +3.10% | 87th top |
| Equity / Assets | 14.62% | 11.36% | +3.26% | 87th top |
| TCE / Tangible Assets | 14.52% | 11.08% | +3.44% | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 35.45% | 80.67% | -45.22% | 97th top |
| Core Deposit Ratio | 85.09% | 86.85% | -1.76% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 15.12% | 6.84% | +8.28% | 91st top |
| Loan Growth (Y/Y) | 10.46% | 7.92% | +2.54% | 75th top |
| Deposit Growth (Y/Y) | 15.17% | 6.29% | +8.88% | 91st top |
See Garden Plain State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Garden Plain 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 Garden Plain State Bank profile, how to read a UBPR, or how this data updates.