The International Bank of Amherst: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The International Bank of Amherst of Amherst, WI against its peer group of 2603 similarly-sized US banks as of Q3 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 | 2.14% | 1.25% | +0.89% | 85th top |
| ROAE | 15.33% | 13.21% | +2.12% | 54th above |
| Net Interest Margin | 4.17% | 3.95% | +0.22% | 63rd above |
| Efficiency Ratio | 45.00% | 61.29% | -16.29% | 86th top |
| PPNR / Avg Assets | 2.16% | — | — | 73rd above |
| Yield on Earning Assets | 5.28% | 5.68% | -0.40% | 37th below |
| Cost of Funds | 1.26% | 1.88% | -0.62% | 77th top |
| Net Interest Spread | 3.64% | — | — | 65th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.93% | -0.93% | 94th top |
| NPA / Total Assets | 0.00% | — | — | 95th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 60th above |
| ACL / Total Loans | 0.78% | — | — | 4th bottom |
| Texas Ratio | 0.00% | 7.37% | -7.37% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.31% | 11.73% | +2.58% | 79th top |
| Equity / Assets | 13.91% | 10.97% | +2.94% | 84th top |
| TCE / Tangible Assets | 13.91% | — | — | 86th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.18% | 80.71% | -20.53% | 76th top |
| Core Deposit Ratio | 95.81% | 86.89% | +8.92% | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.69% | — | — | 66th above |
| Loan Growth (Y/Y) | 4.96% | — | — | 47th below |
| Deposit Growth (Y/Y) | 6.34% | — | — | 66th above |
See The International Bank of Amherst's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The International Bank of Amherst, 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 The International Bank of Amherst profile, how to read a UBPR, or how this data updates.