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 Hull, IA against its peer group of 931 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 | 1.67% | 1.46% | +0.21% | 75th top |
| ROAE | 16.05% | 12.71% | +3.34% | 77th top |
| Net Interest Margin | 3.61% | 3.85% | -0.24% | 43rd below |
| Efficiency Ratio | 41.66% | 57.41% | -15.75% | 91st top |
| PPNR / Avg Assets | 2.17% | 1.88% | +0.29% | 77th top |
| Yield on Earning Assets | 5.75% | 5.72% | +0.03% | 63rd above |
| Cost of Funds | 2.15% | 2.02% | +0.13% | 40th below |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.08% | 3.18% | -0.10% | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 1.00% | -0.98% | 95th top |
| NPA / Total Assets | 0.01% | 0.76% | -0.75% | 95th top |
| NCO / Avg Loans | -0.01% | 0.43% | -0.44% | 93rd top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.19% | 1.31% | -0.12% | 56th above |
| ACL / NPLs (Coverage) | 6094.32% | 540.59% | +5553.73% | — |
| Texas Ratio | 0.40% | 7.39% | -6.99% | 92nd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.72% | 11.44% | +0.28% | 73rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.91% | 11.34% | -0.43% | 59th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.45% | 10.50% | -0.05% | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.61% | 86.95% | +16.66% | 11th bottom |
| Core Deposit Ratio | 83.57% | 85.56% | -1.99% | 29th below |
| Uninsured Deposit Ratio | 24.38% | 33.13% | -8.75% | 73rd above |
| Wholesale Funding Ratio | 18.96% | 5.70% | +13.26% | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.85% | 9.68% | -4.83% | 48th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.28% | 8.06% | -1.78% | 54th above |
| Deposit Growth (Y/Y) | -1.11% | 7.87% | -8.98% | 13th bottom |
See Iowa State Bank's peers by name
The 931 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.