Iowa Trust and Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Iowa Trust and Savings Bank of Centerville, 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 | 1.66% | 1.34% | +0.32% | 72nd above |
| ROAE | 15.87% | 13.31% | +2.56% | 71st above |
| Net Interest Margin | 3.68% | 3.93% | -0.25% | 36th below |
| Efficiency Ratio | 53.24% | 61.14% | -7.90% | 74th above |
| PPNR / Avg Assets | 1.74% | 1.68% | +0.06% | 59th above |
| Yield on Earning Assets | 4.91% | 5.67% | -0.76% | 20th bottom |
| Cost of Funds | 1.40% | 1.88% | -0.48% | 75th top |
| Net Interest Spread | 3.18% | 3.32% | -0.14% | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.94% | -0.89% | 78th top |
| NPA / Total Assets | 0.02% | 0.70% | -0.68% | 82nd top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 30th below |
| ACL / Total Loans | 1.52% | 1.28% | +0.24% | 79th top |
| ACL / NPLs (Coverage) | 2840.82% | 1538.38% | +1302.44% | — |
| Texas Ratio | 0.21% | 7.33% | -7.12% | 85th top |
| Provision / NCO | 41.67% | 1395.91% | -1354.24% | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.46% | 12.14% | +1.32% | 78th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.61% | 11.37% | -0.76% | 54th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.61% | 11.09% | -0.48% | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.66% | 80.64% | -15.98% | 78th top |
| Core Deposit Ratio | 95.66% | 86.86% | +8.80% | 87th top |
| Wholesale Funding Ratio | 21.66% | 5.03% | +16.63% | 1st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.11% | 6.85% | -0.74% | 63rd above |
| Loan Growth (Y/Y) | -1.53% | 7.90% | -9.43% | 17th bottom |
| Deposit Growth (Y/Y) | -0.66% | 6.29% | -6.95% | 20th bottom |
See Iowa Trust and Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Iowa Trust and 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 Trust and Savings Bank profile, how to read a UBPR, or how this data updates.