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 Algona, 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 | 1.24% | 1.35% | -0.11% | 48th below |
| ROAE | 14.25% | 12.05% | +2.20% | 62nd above |
| Net Interest Margin | 3.23% | 3.90% | -0.67% | 17th bottom |
| Efficiency Ratio | 54.82% | 63.15% | -8.33% | 70th above |
| PPNR / Avg Assets | 1.49% | 1.64% | -0.15% | 44th below |
| Yield on Earning Assets | 5.28% | 5.65% | -0.37% | 34th below |
| Cost of Funds | 2.20% | 1.85% | +0.35% | 26th below |
| Net Interest Spread | 2.77% | 3.35% | -0.58% | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 0.92% | -0.77% | 68th above |
| NPA / Total Assets | 0.10% | 0.67% | -0.57% | 70th above |
| NCO / Avg Loans | -0.00% | 0.15% | -0.15% | 75th top |
| ACL / Total Loans | 1.34% | 1.28% | +0.06% | 66th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 870.88% | 1645.47% | -774.59% | 81st top |
| Texas Ratio | 1.07% | 7.15% | -6.08% | 71st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.83% | 20.83% | -5.00% | 56th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.83% | 20.86% | -5.03% | 56th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.05% | 21.94% | -4.89% | 57th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.17% | 12.46% | -1.29% | 53rd above |
| Equity / Assets | 9.10% | 11.67% | -2.57% | 29th below |
| TCE / Tangible Assets | 8.50% | 11.40% | -2.90% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 80.25% | 78.64% | +1.61% | 51st above |
| Core Deposit Ratio | 80.45% | 87.10% | -6.65% | 17th bottom |
| Wholesale Funding Ratio | 9.65% | 5.11% | +4.54% | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.19% | 6.48% | -5.29% | 27th below |
| Loan Growth (Y/Y) | 1.18% | 7.64% | -6.46% | 27th below |
| Deposit Growth (Y/Y) | 11.56% | 6.02% | +5.54% | 87th top |
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.