Goppert State Service Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Goppert State Service Bank of Garnett, 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 | 1.44% | 1.34% | +0.10% | 60th above |
| ROAE | 15.80% | 13.32% | +2.48% | 70th above |
| Net Interest Margin | 4.52% | 3.93% | +0.59% | 80th top |
| Efficiency Ratio | 53.00% | 61.13% | -8.13% | 74th above |
| PPNR / Avg Assets | 2.14% | 1.68% | +0.46% | 78th top |
| Yield on Earning Assets | 6.27% | 5.67% | +0.60% | 79th top |
| Cost of Funds | 1.88% | 1.88% | +0.00% | 45th below |
| Net Interest Spread | 3.92% | 3.32% | +0.60% | 80th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.51% | 0.94% | +0.57% | 18th bottom |
| NPA / Total Assets | 1.41% | 0.70% | +0.71% | 13th bottom |
| NCO / Avg Loans | 0.83% | 0.16% | +0.67% | 4th bottom |
| ACL / Total Loans | 1.39% | 1.28% | +0.11% | 71st above |
| ACL / NPLs (Coverage) | 92.48% | 1546.65% | -1454.17% | 25th below |
| Texas Ratio | 15.35% | 7.33% | +8.02% | 12th bottom |
| Provision / NCO | 73.05% | 1395.54% | -1322.49% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.28% | 12.14% | -2.86% | 17th bottom |
| Equity / Assets | 9.29% | 11.37% | -2.08% | 32nd below |
| TCE / Tangible Assets | 9.29% | 11.08% | -1.79% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.83% | 80.66% | +3.17% | 43rd below |
| Core Deposit Ratio | 91.26% | 86.85% | +4.41% | 63rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.35% | 6.84% | +2.51% | 81st top |
| Loan Growth (Y/Y) | 4.14% | 7.92% | -3.78% | 43rd below |
| Deposit Growth (Y/Y) | 10.21% | 6.29% | +3.92% | 83rd top |
See Goppert State Service Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Goppert State Service 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 Goppert State Service Bank profile, how to read a UBPR, or how this data updates.