Hardin County Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hardin County Savings Bank of Eldora, IA 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 | 1.22% | 1.35% | -0.13% | 47th below |
| ROAE | 21.17% | 12.05% | +9.12% | 90th top |
| Net Interest Margin | 3.35% | 3.90% | -0.55% | 22nd bottom |
| Efficiency Ratio | 47.12% | 63.15% | -16.03% | 86th top |
| PPNR / Avg Assets | 1.45% | 1.64% | -0.19% | 42nd below |
| Yield on Earning Assets | 6.02% | 5.65% | +0.37% | 69th above |
| Cost of Funds | 2.69% | 1.85% | +0.84% | 11th bottom |
| Net Interest Spread | 3.02% | 3.35% | -0.33% | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.25% | 0.92% | +0.33% | 23rd bottom |
| NPA / Total Assets | 0.84% | 0.67% | +0.17% | 25th below |
| NCO / Avg Loans | 0.19% | 0.15% | +0.04% | 13th bottom |
| ACL / Total Loans | 0.75% | 1.28% | -0.53% | 8th bottom |
| ACL / NPLs (Coverage) | 59.60% | 1645.81% | -1586.21% | 14th bottom |
| Texas Ratio | 12.81% | 7.15% | +5.66% | 16th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 240.91% | 1189.78% | -948.87% | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.38% | 20.83% | -7.45% | 32nd below |
| Tier 1 Ratio | 13.38% | 20.87% | -7.49% | 32nd below |
| Total Capital Ratio | 14.06% | 21.94% | -7.88% | 26th below |
| Leverage Ratio | 9.79% | 12.46% | -2.67% | 27th below |
| Equity / Assets | 6.09% | 11.67% | -5.58% | 3rd bottom |
| TCE / Tangible Assets | 6.09% | 11.40% | -5.31% | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.98% | 78.64% | -1.66% | 57th above |
| Core Deposit Ratio | 62.71% | 87.10% | -24.39% | 2nd bottom |
| Wholesale Funding Ratio | 12.87% | 5.11% | +7.76% | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.17% | 6.47% | -0.30% | 63rd above |
| Loan Growth (Y/Y) | 12.30% | 7.64% | +4.66% | 80th top |
| Deposit Growth (Y/Y) | 0.86% | 6.02% | -5.16% | 28th below |
See Hardin County Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hardin County Savings 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 Hardin County Savings Bank profile, how to read a UBPR, or how this data updates.