Henderson State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Henderson State Bank of Henderson, NE 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 | 1.58% | 1.34% | +0.24% | 68th above |
| ROAE | 15.57% | 13.32% | +2.25% | 69th above |
| Net Interest Margin | 4.04% | 3.93% | +0.11% | 55th above |
| Efficiency Ratio | 43.70% | 61.14% | -17.44% | 91st top |
| PPNR / Avg Assets | 2.24% | 1.68% | +0.56% | 81st top |
| Yield on Earning Assets | 6.79% | 5.67% | +1.12% | 92nd top |
| Cost of Funds | 2.97% | 1.88% | +1.09% | 6th bottom |
| Net Interest Spread | 3.57% | 3.32% | +0.25% | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.26% | 0.94% | -0.68% | 60th above |
| NPA / Total Assets | 0.25% | 0.70% | -0.45% | 55th above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 79th top |
| ACL / Total Loans | 0.75% | 1.28% | -0.53% | 8th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 286.69% | 1547.03% | -1260.34% | 59th above |
| Texas Ratio | 3.50% | 7.34% | -3.84% | 50th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.41% | 12.14% | -1.73% | 39th below |
| Equity / Assets | 10.02% | 11.37% | -1.35% | 45th below |
| TCE / Tangible Assets | 9.74% | 11.08% | -1.34% | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 110.19% | 80.64% | +29.55% | 3rd bottom |
| Core Deposit Ratio | 56.94% | 86.87% | -29.93% | 1st bottom |
| Wholesale Funding Ratio | 14.40% | 5.03% | +9.37% | 6th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 23.64% | 6.83% | +16.81% | 96th top |
| Loan Growth (Y/Y) | 25.29% | 7.91% | +17.38% | 96th top |
| Deposit Growth (Y/Y) | 18.06% | 6.28% | +11.78% | 93rd top |
See Henderson State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Henderson 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 Henderson State Bank profile, how to read a UBPR, or how this data updates.