The Garrett State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Garrett State Bank of Garrett, IN 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 | 1.99% | 1.34% | +0.65% | 85th top |
| ROAE | 19.60% | 13.31% | +6.29% | 86th top |
| Net Interest Margin | 3.48% | 3.93% | -0.45% | 26th below |
| Efficiency Ratio | 43.00% | 61.15% | -18.15% | 92nd top |
| PPNR / Avg Assets | 2.04% | 1.68% | +0.36% | 74th above |
| Yield on Earning Assets | 5.37% | 5.67% | -0.30% | 38th below |
| Cost of Funds | 2.10% | 1.88% | +0.22% | 32nd below |
| Net Interest Spread | 2.79% | 3.32% | -0.53% | 24th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.63% | 0.94% | +0.69% | 17th bottom |
| NPA / Total Assets | 1.19% | 0.70% | +0.49% | 16th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 28th below |
| ACL / Total Loans | 0.99% | 1.28% | -0.29% | 25th below |
| ACL / NPLs (Coverage) | 61.00% | 1539.30% | -1478.30% | 15th bottom |
| Texas Ratio | 11.08% | 7.33% | +3.75% | 19th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 282.35% | 1396.14% | -1113.79% | 65th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.89% | 19.50% | -1.61% | 68th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.89% | 19.54% | -1.65% | 68th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.14% | 20.62% | -1.48% | 69th above |
| Leverage Ratio | 10.47% | 12.14% | -1.67% | 41st below |
| Equity / Assets | 10.00% | 11.37% | -1.37% | 45th below |
| TCE / Tangible Assets | 10.00% | 11.09% | -1.09% | 49th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.02% | 80.63% | +5.39% | 38th below |
| Core Deposit Ratio | 85.75% | 86.86% | -1.11% | 33rd below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.55% | 5.03% | -0.48% | 41st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.97% | 6.85% | -2.88% | 47th below |
| Loan Growth (Y/Y) | 3.91% | 7.90% | -3.99% | 42nd below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.29% | 6.29% | -1.00% | 59th above |
See The Garrett State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Garrett 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 Garrett State Bank profile, how to read a UBPR, or how this data updates.