Iowa State Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Iowa State Savings Bank of Creston, IA against its peer group of 2603 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. | 1.31% | 1.34% | -0.03% | 53rd above |
| ROAE | 13.81% | 13.32% | +0.49% | 59th above |
| Net Interest Margin | 3.73% | 3.93% | -0.20% | 38th below |
| Efficiency Ratio | 53.29% | 61.13% | -7.84% | 74th above |
| PPNR / Avg Assets | 1.75% | 1.68% | +0.07% | 60th above |
| Yield on Earning Assets | 4.92% | 5.67% | -0.75% | 20th bottom |
| Cost of Funds | 1.29% | 1.88% | -0.59% | 80th top |
| Net Interest Spread | 3.44% | 3.32% | +0.12% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.20% | 0.94% | -0.74% | 64th above |
| NPA / Total Assets | 0.12% | 0.70% | -0.58% | 67th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.50% | 1.28% | +0.22% | 78th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 745.02% | 1546.35% | -801.33% | 78th top |
| Texas Ratio | 1.24% | 7.34% | -6.10% | 70th above |
| Provision / NCO | -1160.00% | 1395.91% | -2555.91% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.24% | 19.49% | -4.25% | 51st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.24% | 19.52% | -4.28% | 51st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.49% | 20.61% | -4.12% | 52nd above |
| Leverage Ratio | 9.40% | 12.14% | -2.74% | 19th bottom |
| Equity / Assets | 9.87% | 11.37% | -1.50% | 43rd below |
| TCE / Tangible Assets | 8.85% | 11.08% | -2.23% | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.68% | 80.67% | -13.99% | 75th top |
| Core Deposit Ratio | 94.47% | 86.85% | +7.62% | 82nd top |
| Wholesale Funding Ratio | 0.50% | 5.04% | -4.54% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.73% | 6.84% | -9.57% | 9th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.80% | 7.92% | -2.12% | 53rd above |
| Deposit Growth (Y/Y) | -0.66% | 6.29% | -6.95% | 20th bottom |
See Iowa State Savings Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Iowa State Savings 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 Savings Bank profile, how to read a UBPR, or how this data updates.