The Halstead Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Halstead Bank of Halstead, KS against its peer group of 2757 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 | 1.76% | 1.25% | +0.51% | 76th top |
| ROAE | 20.63% | 12.22% | +8.41% | 88th top |
| Net Interest Margin | 4.55% | 3.95% | +0.60% | 80th top |
| Efficiency Ratio | 56.09% | 63.71% | -7.62% | 65th above |
| PPNR / Avg Assets | 2.06% | — | — | 74th above |
| Yield on Earning Assets | 6.30% | 5.67% | +0.63% | 81st top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.81% | 1.87% | -0.06% | 49th below |
| Net Interest Spread | 3.90% | — | — | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.29% | 0.88% | -0.59% | 58th above |
| NPA / Total Assets | 0.20% | — | — | 60th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.37% | — | — | 69th above |
| ACL / NPLs (Coverage) | 478.26% | — | — | 69th above |
| Texas Ratio | 2.14% | 5.96% | -3.82% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.32% | 17.18% | -5.86% | 10th bottom |
| Tier 1 Ratio | 11.32% | 17.21% | -5.89% | 10th bottom |
| Total Capital Ratio | 12.57% | — | — | 11th bottom |
| Leverage Ratio | 8.56% | 11.75% | -3.19% | 7th bottom |
| Equity / Assets | 8.45% | 10.98% | -2.53% | 19th bottom |
| TCE / Tangible Assets | 8.45% | — | — | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.26% | 80.44% | -3.18% | 57th above |
| Core Deposit Ratio | 92.03% | 86.95% | +5.08% | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.79% | — | — | 60th above |
| Loan Growth (Y/Y) | 1.48% | — | — | 28th below |
| Deposit Growth (Y/Y) | 5.92% | — | — | 63rd above |
See The Halstead Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Halstead 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 Halstead Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the The Halstead Bank peer analysis.