Grinnell State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Grinnell State Bank of Grinnell, IA 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 | 1.18% | 1.34% | -0.16% | 44th below |
| ROAE Behind the peer average, ahead of the median peer. | 12.31% | 13.32% | -1.01% | 50th above |
| Net Interest Margin | 3.65% | 3.93% | -0.28% | 34th below |
| Efficiency Ratio | 58.18% | 61.13% | -2.95% | 59th above |
| PPNR / Avg Assets | 1.57% | 1.68% | -0.11% | 49th below |
| Yield on Earning Assets | 5.80% | 5.67% | +0.13% | 59th above |
| Cost of Funds | 2.37% | 1.88% | +0.49% | 19th bottom |
| Net Interest Spread | 2.88% | 3.32% | -0.44% | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.47% | 0.94% | -0.47% | 46th below |
| NPA / Total Assets | 1.45% | 0.70% | +0.75% | 13th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.05% | 1.28% | -0.23% | 32nd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 222.60% | 1546.82% | -1324.22% | 51st above |
| Texas Ratio | 13.44% | 7.33% | +6.11% | 15th bottom |
| Provision / NCO | 0.56% | 1395.89% | -1395.33% | 20th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.18% | 19.49% | -4.31% | 51st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.18% | 19.52% | -4.34% | 51st above |
| Total Capital Ratio | 16.23% | 20.61% | -4.38% | 49th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.90% | 12.14% | -0.24% | 64th above |
| Equity / Assets | 9.97% | 11.37% | -1.40% | 45th below |
| TCE / Tangible Assets | 9.97% | 11.08% | -1.11% | 49th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 107.91% | 80.65% | +27.26% | 5th bottom |
| Core Deposit Ratio | 86.49% | 86.85% | -0.36% | 36th below |
| Wholesale Funding Ratio | 20.15% | 5.02% | +15.13% | 1st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.28% | 6.84% | -7.12% | 18th bottom |
| Loan Growth (Y/Y) | -1.10% | 7.92% | -9.02% | 18th bottom |
| Deposit Growth (Y/Y) | 3.89% | 6.29% | -2.40% | 49th below |
See Grinnell State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Grinnell 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 Grinnell State Bank profile, how to read a UBPR, or how this data updates.