Iowa Falls State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Iowa Falls State Bank of Iowa Falls, IA 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 | 1.18% | 1.34% | -0.16% | 44th below |
| ROAE | 7.86% | 13.32% | -5.46% | 24th bottom |
| Net Interest Margin | 4.17% | 3.93% | +0.24% | 63rd above |
| Efficiency Ratio | 51.27% | 61.14% | -9.87% | 78th top |
| PPNR / Avg Assets | 1.55% | 1.68% | -0.13% | 48th below |
| Yield on Earning Assets | 6.18% | 5.67% | +0.51% | 76th top |
| Cost of Funds | 1.77% | 1.88% | -0.11% | 52nd above |
| Net Interest Spread | 3.64% | 3.32% | +0.32% | 67th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.25% | 0.94% | -0.69% | 60th above |
| NPA / Total Assets | 0.12% | 0.70% | -0.58% | 67th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.08% | 1.28% | -0.20% | 36th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 430.24% | 1538.91% | -1108.67% | 68th above |
| Texas Ratio | 1.36% | 7.33% | -5.97% | 69th above |
| Provision / NCO | 0.00% | 1395.90% | -1395.90% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.37% | 19.50% | -7.13% | 21st bottom |
| Tier 1 Ratio | 12.37% | 19.54% | -7.17% | 21st bottom |
| Total Capital Ratio | 13.19% | 20.62% | -7.43% | 18th bottom |
| Leverage Ratio | 8.64% | 12.14% | -3.50% | 8th bottom |
| Equity / Assets | 15.19% | 11.37% | +3.82% | 89th top |
| TCE / Tangible Assets | 9.16% | 11.09% | -1.93% | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.58% | 80.64% | -20.06% | 82nd top |
| Core Deposit Ratio | 90.66% | 86.86% | +3.80% | 58th above |
| Wholesale Funding Ratio | 3.05% | 5.03% | -1.98% | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.61% | 6.85% | -2.24% | 51st above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.74% | 7.90% | -2.16% | 53rd above |
| Deposit Growth (Y/Y) | 6.82% | 6.29% | +0.53% | 69th above |
See Iowa Falls State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Iowa Falls 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 Iowa Falls State Bank profile, how to read a UBPR, or how this data updates.