I3 Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks I3 Bank of Bennington, NE 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 | 0.83% | 1.34% | -0.51% | 24th bottom |
| ROAE | 10.67% | 13.31% | -2.64% | 40th below |
| Net Interest Margin | 4.61% | 3.93% | +0.68% | 83rd top |
| Efficiency Ratio | 64.83% | 61.14% | +3.69% | 40th below |
| PPNR / Avg Assets | 1.78% | 1.68% | +0.10% | 61st above |
| Yield on Earning Assets | 7.07% | 5.67% | +1.40% | 95th top |
| Cost of Funds | 3.21% | 1.88% | +1.33% | 3rd bottom |
| Net Interest Spread | 3.71% | 3.32% | +0.39% | 71st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.32% | 0.94% | -0.62% | 56th above |
| NPA / Total Assets | 0.24% | 0.70% | -0.46% | 56th above |
| NCO / Avg Loans | 1.28% | 0.16% | +1.12% | 2nd bottom |
| ACL / Total Loans | 1.40% | 1.28% | +0.12% | 72nd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 433.51% | 1538.94% | -1105.43% | 68th above |
| Texas Ratio | 2.77% | 7.33% | -4.56% | 55th above |
| Provision / NCO | 97.13% | 1395.92% | -1298.79% | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.53% | 19.51% | -8.98% | 5th bottom |
| Tier 1 Ratio | 10.53% | 19.54% | -9.01% | 5th bottom |
| Total Capital Ratio | 11.76% | 20.62% | -8.86% | 6th bottom |
| Leverage Ratio | 8.80% | 12.14% | -3.34% | 10th bottom |
| Equity / Assets | 8.10% | 11.38% | -3.28% | 15th bottom |
| TCE / Tangible Assets | 7.99% | 11.09% | -3.10% | 16th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.41% | 80.64% | +6.77% | 34th below |
| Core Deposit Ratio | 84.05% | 86.86% | -2.81% | 27th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.45% | 5.03% | -0.58% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.13% | 6.85% | +3.28% | 83rd top |
| Loan Growth (Y/Y) | 13.04% | 7.90% | +5.14% | 82nd top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.00% | 6.29% | -1.29% | 57th above |
See I3 Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock I3 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 I3 Bank profile, how to read a UBPR, or how this data updates.