Iowa State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Iowa State Bank of Sac City, IA against its peer group of 2757 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 Ahead of the peer average, behind the median peer. | 1.26% | 1.25% | +0.01% | 49th below |
| ROAE | 10.95% | 12.22% | -1.27% | 40th below |
| Net Interest Margin | 3.02% | 3.95% | -0.93% | 10th bottom |
| Efficiency Ratio | 55.44% | 63.71% | -8.27% | 67th above |
| PPNR / Avg Assets | 1.43% | — | — | 39th below |
| Yield on Earning Assets | 5.18% | 5.67% | -0.49% | 30th below |
| Cost of Funds | 2.23% | 1.87% | +0.36% | 24th bottom |
| Net Interest Spread | 1.96% | — | — | 4th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.84% | 0.88% | +0.96% | 14th bottom |
| NPA / Total Assets | 1.66% | — | — | 10th bottom |
| NCO / Avg Loans | 0.89% | 0.15% | +0.74% | 4th bottom |
| ACL / Total Loans | 1.58% | — | — | 83rd top |
| ACL / NPLs (Coverage) | 86.01% | — | — | 23rd bottom |
| Texas Ratio | 13.54% | 5.96% | +7.58% | 11th bottom |
| Provision / NCO | 17.24% | — | — | 25th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.53% | 11.75% | -0.22% | 58th above |
| Equity / Assets | 11.65% | 10.98% | +0.67% | 67th above |
| TCE / Tangible Assets | 11.19% | — | — | 65th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.73% | 80.44% | +1.29% | 48th below |
| Core Deposit Ratio | 90.87% | 86.95% | +3.92% | 60th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.56% | — | — | 72nd above |
| Loan Growth (Y/Y) | -4.91% | — | — | 7th bottom |
| Deposit Growth (Y/Y) | 7.55% | — | — | 73rd above |
See Iowa State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Iowa 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 State 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 Iowa State Bank peer analysis.