Iowa Trust & 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 & Savings Bank of Emmetsburg, 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 | 0.74% | 1.35% | -0.61% | 20th bottom |
| ROAE | 6.46% | 13.33% | -6.87% | 19th bottom |
| Net Interest Margin | 3.66% | 3.93% | -0.27% | 35th below |
| Efficiency Ratio | 74.78% | 61.12% | +13.66% | 20th bottom |
| PPNR / Avg Assets | 0.77% | 1.68% | -0.91% | 14th bottom |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.66% | 5.67% | -0.01% | 52nd above |
| Cost of Funds | 2.21% | 1.88% | +0.33% | 26th below |
| Net Interest Spread | 3.04% | 3.32% | -0.28% | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.94% | -0.90% | 80th top |
| NPA / Total Assets | 0.11% | 0.70% | -0.59% | 68th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 34th below |
| ACL / Total Loans | 1.38% | 1.28% | +0.10% | 71st above |
| ACL / NPLs (Coverage) | 3353.59% | 1545.12% | +1808.47% | — |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.66% | 7.34% | -1.68% | 37th below |
| Provision / NCO | -5.39% | 1395.94% | -1401.33% | 6th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.82% | 12.14% | -1.32% | 47th below |
| Equity / Assets | 11.42% | 11.36% | +0.06% | 65th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.59% | 11.08% | -0.49% | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.67% | 80.66% | +13.01% | 21st bottom |
| Core Deposit Ratio | 84.10% | 86.85% | -2.75% | 27th below |
| Wholesale Funding Ratio | 9.63% | 5.03% | +4.60% | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.22% | 6.85% | -8.07% | 13th bottom |
| Loan Growth (Y/Y) | -2.17% | 7.92% | -10.09% | 14th bottom |
| Deposit Growth (Y/Y) | -1.51% | 6.29% | -7.80% | 15th bottom |
See Iowa Trust & 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 Trust & 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 & Savings Bank profile, how to read a UBPR, or how this data updates.