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 Des Moines, 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 | 2.14% | 1.35% | +0.79% | 89th top |
| ROAE | 14.15% | 12.05% | +2.10% | 61st above |
| Net Interest Margin | 3.74% | 3.90% | -0.16% | 39th below |
| Efficiency Ratio | 56.26% | 63.15% | -6.89% | 66th above |
| PPNR / Avg Assets | 2.27% | 1.64% | +0.63% | 82nd top |
| Yield on Earning Assets | 4.86% | 5.65% | -0.79% | 18th bottom |
| Cost of Funds | 1.26% | 1.85% | -0.59% | 82nd top |
| Net Interest Spread | 3.26% | 3.35% | -0.09% | 47th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 0.92% | -0.86% | 78th top |
| NPA / Total Assets | 0.03% | 0.67% | -0.64% | 80th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.75% | 1.28% | -0.53% | 9th bottom |
| ACL / NPLs (Coverage) | 1324.84% | 1645.27% | -320.43% | — |
| Texas Ratio | 0.22% | 7.15% | -6.93% | 85th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.92% | 12.46% | +3.46% | 90th top |
| Equity / Assets | 14.68% | 11.67% | +3.01% | 87th top |
| TCE / Tangible Assets | 14.68% | 11.40% | +3.28% | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.56% | 78.65% | -8.09% | 69th above |
| Core Deposit Ratio | 95.64% | 87.09% | +8.55% | 87th top |
| Wholesale Funding Ratio | 2.93% | 5.11% | -2.18% | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.24% | 6.47% | -2.23% | 49th below |
| Loan Growth (Y/Y) | 2.85% | 7.64% | -4.79% | 36th below |
| Deposit Growth (Y/Y) | 3.72% | 6.02% | -2.30% | 48th below |
See Iowa 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 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.