Home State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Home State Bank of Jefferson, 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 | 0.70% | 1.35% | -0.65% | 19th bottom |
| ROAE | 8.18% | 13.33% | -5.15% | 27th below |
| Net Interest Margin | 3.50% | 3.93% | -0.43% | 27th below |
| Efficiency Ratio | 63.12% | 61.13% | +1.99% | 45th below |
| PPNR / Avg Assets | 1.46% | 1.68% | -0.22% | 42nd below |
| Yield on Earning Assets | 5.95% | 5.67% | +0.28% | 66th above |
| Cost of Funds | 2.62% | 1.88% | +0.74% | 12th bottom |
| Net Interest Spread | 2.65% | 3.32% | -0.67% | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.39% | 0.94% | +2.45% | 5th bottom |
| NPA / Total Assets | 2.77% | 0.70% | +2.07% | 4th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.16% | -0.11% | 26th below |
| ACL / Total Loans | 2.61% | 1.28% | +1.33% | 97th top |
| ACL / NPLs (Coverage) | 77.10% | 1546.87% | -1469.77% | 20th bottom |
| Texas Ratio | 26.23% | 7.33% | +18.90% | 4th bottom |
| Provision / NCO | 9218.75% | 1389.34% | +7829.41% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.04% | 19.49% | -9.45% | 3rd bottom |
| Tier 1 Ratio | 10.04% | 19.53% | -9.49% | 3rd bottom |
| Total Capital Ratio | 11.31% | 20.61% | -9.30% | 3rd bottom |
| Leverage Ratio | 8.91% | 12.14% | -3.23% | 11th bottom |
| Equity / Assets | 8.64% | 11.37% | -2.73% | 22nd bottom |
| TCE / Tangible Assets | 8.46% | 11.08% | -2.62% | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.93% | 80.66% | +8.27% | 31st below |
| Core Deposit Ratio | 52.21% | 86.87% | -34.66% | 1st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.49% | 6.84% | +1.65% | 78th top |
| Loan Growth (Y/Y) | 9.55% | 7.92% | +1.63% | 72nd above |
| Deposit Growth (Y/Y) | 8.54% | 6.29% | +2.25% | 78th top |
See Home State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Home 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 Home State Bank profile, how to read a UBPR, or how this data updates.