Hoosier Heartland State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hoosier Heartland State Bank of Crawfordsville, IN 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 | 1.41% | 1.34% | +0.07% | 58th above |
| ROAE | 19.85% | 13.31% | +6.54% | 86th top |
| Net Interest Margin | 4.20% | 3.93% | +0.27% | 64th above |
| Efficiency Ratio | 66.71% | 61.14% | +5.57% | 36th below |
| PPNR / Avg Assets | 1.53% | 1.68% | -0.15% | 47th below |
| Yield on Earning Assets | 5.96% | 5.67% | +0.29% | 67th above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.81% | 1.88% | -0.07% | 49th below |
| Net Interest Spread | 3.83% | 3.32% | +0.51% | 77th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.66% | 0.94% | -0.28% | 39th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.49% | 0.70% | -0.21% | 39th below |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 84th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.23% | 1.28% | -0.05% | 54th above |
| ACL / NPLs (Coverage) | 186.16% | 1539.18% | -1353.02% | 45th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.22% | 7.33% | -1.11% | 34th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.35% | 19.51% | -9.16% | 4th bottom |
| Tier 1 Ratio | 10.35% | 19.54% | -9.19% | 4th bottom |
| Total Capital Ratio | 11.47% | 20.63% | -9.16% | 4th bottom |
| Leverage Ratio | 8.70% | 12.14% | -3.44% | 9th bottom |
| Equity / Assets | 7.10% | 11.38% | -4.28% | 7th bottom |
| TCE / Tangible Assets | 7.10% | 11.09% | -3.99% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.87% | 80.64% | +0.23% | 49th below |
| Core Deposit Ratio | 97.69% | 86.86% | +10.83% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.78% | 6.85% | +0.93% | 74th above |
| Loan Growth (Y/Y) | 10.99% | 7.90% | +3.09% | 77th top |
| Deposit Growth (Y/Y) | 6.97% | 6.29% | +0.68% | 70th above |
See Hoosier Heartland State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hoosier Heartland 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 Hoosier Heartland State Bank profile, how to read a UBPR, or how this data updates.