Iowa State Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Iowa State Bank and Trust Company of Fairfield, 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 Behind the peer average, ahead of the median peer. | 1.27% | 1.34% | -0.07% | 51st above |
| ROAE | 16.24% | 13.31% | +2.93% | 72nd above |
| Net Interest Margin | 3.52% | 3.93% | -0.41% | 28th below |
| Efficiency Ratio | 50.16% | 61.14% | -10.98% | 80th top |
| PPNR / Avg Assets | 1.74% | 1.68% | +0.06% | 59th above |
| Yield on Earning Assets | 6.07% | 5.67% | +0.40% | 71st above |
| Cost of Funds | 2.69% | 1.88% | +0.81% | 11th bottom |
| Net Interest Spread | 2.84% | 3.32% | -0.48% | 26th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.94% | -0.85% | 74th above |
| NPA / Total Assets | 0.06% | 0.70% | -0.64% | 75th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.16% | -0.11% | 25th below |
| ACL / Total Loans | 1.06% | 1.28% | -0.22% | 33rd below |
| ACL / NPLs (Coverage) | 1193.78% | 1538.80% | -345.02% | — |
| Texas Ratio | 0.80% | 7.33% | -6.53% | 75th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 691.18% | 1395.85% | -704.67% | 77th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.90% | 19.51% | -8.61% | 8th bottom |
| Tier 1 Ratio | 10.90% | 19.54% | -8.64% | 7th bottom |
| Total Capital Ratio | 11.97% | 20.63% | -8.66% | 7th bottom |
| Leverage Ratio | 8.01% | 12.14% | -4.13% | 2nd bottom |
| Equity / Assets | 7.83% | 11.38% | -3.55% | 12th bottom |
| TCE / Tangible Assets | 7.83% | 11.09% | -3.26% | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.21% | 80.64% | +3.57% | 42nd below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.90% | 86.86% | +0.04% | 38th below |
| Wholesale Funding Ratio | 6.28% | 5.03% | +1.25% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 16.32% | 6.85% | +9.47% | 92nd top |
| Loan Growth (Y/Y) | 13.00% | 7.90% | +5.10% | 82nd top |
| Deposit Growth (Y/Y) | 17.36% | 6.28% | +11.08% | 93rd top |
See Iowa State Bank and Trust Company'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 and Trust Company, 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 and Trust Company profile, how to read a UBPR, or how this data updates.