Bank: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Wapello, IA against its peer group of 2660 similarly-sized US banks as of Q2 2026. The peer group is every US bank in the same asset tier (banks with $100M to $1B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 0.77% | 1.28% | -0.51% | 20th worst quarter |
| ROAE | 8.10% | 12.51% | -4.41% | 25th worse half |
| Net Interest Margin | 3.35% | 3.95% | -0.60% | 21st worst quarter |
| Efficiency Ratio | 70.89% | 61.08% | +9.81% | 75th worse half |
| PPNR / Avg Assets | 1.00% | 1.60% | -0.60% | 19th worst quarter |
| Yield on Earning Assets | 5.48% | 5.60% | -0.12% | 44th |
| Cost of Funds | 2.01% | 1.80% | +0.21% | 64th worse half |
| Net Interest Spread | 2.54% | 3.33% | -0.79% | 14th worst quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.78% | 0.42% | +0.36% | 66th worse half |
| NPA / Total Assets | 0.49% | 0.32% | +0.17% | 61st worse half |
| NCO / Avg Loans | 0.01% | 0.00% | +0.01% | 56th worse half |
| ACL / Total Loans | 1.52% | 1.19% | +0.33% | 80th |
| ACL / NPLs (Coverage) | 194.05% | 219.62% | -25.57% | 47th worse half |
| Texas Ratio | 5.23% | 2.65% | +2.58% | 66th worse half |
| Provision / NCO | 3050.00% | 147.12% | +2902.88% | — |
| CRE / Total Capital | 118.49% | 119.44% | -0.95% | 50th better half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 11.25% | 15.12% | -3.87% | 10th worst quarter |
| Tier 1 Ratio | 11.25% | 15.13% | -3.88% | 10th worst quarter |
| Total Capital Ratio | 12.50% | 16.26% | -3.76% | 11th worst quarter |
| Leverage Ratio | 8.68% | 10.99% | -2.31% | 8th worst quarter |
| Equity / Assets | 9.41% | 10.39% | -0.98% | 34th worse half |
| TCE / Tangible Assets | 8.57% | 10.10% | -1.53% | 23rd worst quarter |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 71.10% | 80.60% | -9.50% | 31st |
| Core Deposit Ratio | 95.14% | 89.07% | +6.07% | 85th best quarter |
| Borrowings / Total Assets | 1.15% | 3.57% | -2.42% | 20th best quarter |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 32.44% | 4.51% | +27.93% | 98th |
| Loan Growth (Y/Y) | 8.32% | 5.47% | +2.85% | 66th |
| Deposit Growth (Y/Y) | 34.66% | 4.05% | +30.61% | 98th |
See Bank's peers by name
The 2660 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this 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 Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Bank peer analysis.