Independence State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Independence State Bank of Independence, WI against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 1.27% | 3.14% | -1.87% | 62nd above |
| ROAE | 12.79% | 10.41% | +2.38% | 72nd above |
| Net Interest Margin | 4.67% | 3.93% | +0.74% | 80th top |
| Efficiency Ratio | 67.94% | 76.32% | -8.38% | 54th above |
| PPNR / Avg Assets | 1.51% | 1.40% | +0.11% | 62nd above |
| Yield on Earning Assets | 6.04% | 5.35% | +0.69% | 78th top |
| Cost of Funds | 1.49% | 1.71% | -0.22% | 53rd above |
| Net Interest Spread | 4.17% | 3.31% | +0.86% | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.23% | 1.34% | -1.11% | 52nd above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.18% | 0.71% | -0.53% | 46th below |
| NCO / Avg Loans | -0.01% | 0.11% | -0.12% | 78th top |
| ACL / Total Loans | 1.06% | 1.49% | -0.43% | 34th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 456.58% | 865.56% | -408.98% | 78th top |
| Texas Ratio | 1.63% | 8.26% | -6.63% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.43% | 62.11% | -49.68% | 10th bottom |
| Tier 1 Ratio | 12.43% | 62.11% | -49.68% | 10th bottom |
| Total Capital Ratio | 13.43% | 63.08% | -49.65% | 10th bottom |
| Leverage Ratio | 10.38% | 17.62% | -7.24% | 22nd bottom |
| Equity / Assets | 10.25% | 16.44% | -6.19% | 29th below |
| TCE / Tangible Assets | 10.25% | 16.19% | -5.94% | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.69% | 72.79% | +17.90% | 18th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 89.60% | 88.21% | +1.39% | 39th below |
| Wholesale Funding Ratio | 3.39% | 5.29% | -1.90% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.86% | 4.31% | -2.45% | 44th below |
| Loan Growth (Y/Y) | 10.38% | 6.71% | +3.67% | 79th top |
| Deposit Growth (Y/Y) | 0.78% | 3.78% | -3.00% | 42nd below |
See Independence State Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Independence 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 Independence State Bank profile, how to read a UBPR, or how this data updates.