Ipava State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ipava State Bank of Lewistown, IL against its peer group of 2757 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 | 1.63% | 1.25% | +0.38% | 70th above |
| ROAE | 16.95% | 13.17% | +3.78% | 75th top |
| Net Interest Margin | 4.27% | 3.95% | +0.32% | 68th above |
| Efficiency Ratio | 65.56% | 61.50% | +4.06% | 37th below |
| PPNR / Avg Assets | 1.70% | — | — | 56th above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.66% | 5.67% | -0.01% | 52nd above |
| Cost of Funds | 1.45% | 1.87% | -0.42% | 72nd above |
| Net Interest Spread | 3.96% | — | — | 81st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.93% | -0.89% | 80th top |
| NPA / Total Assets | 0.02% | — | — | 82nd top |
| NCO / Avg Loans | -0.05% | 0.15% | -0.20% | 95th top |
| ACL / Total Loans | 1.07% | — | — | 35th below |
| ACL / NPLs (Coverage) | 2748.15% | — | — | — |
| Texas Ratio | 1.33% | 6.06% | -4.73% | 65th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.14% | 17.18% | -2.04% | 50th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.14% | 17.21% | -2.07% | 50th above |
| Total Capital Ratio | 16.39% | — | — | 51st above |
| Leverage Ratio | 9.68% | 11.75% | -2.07% | 25th below |
| Equity / Assets | 8.89% | 10.98% | -2.09% | 25th below |
| TCE / Tangible Assets | 8.83% | — | — | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.17% | 80.44% | -9.27% | 69th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.76% | 86.95% | +0.81% | 43rd below |
| Wholesale Funding Ratio | 3.15% | — | — | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.54% | — | — | 84th top |
| Loan Growth (Y/Y) | 0.05% | — | — | 22nd bottom |
| Deposit Growth (Y/Y) | 8.79% | — | — | 78th top |
See Ipava State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ipava 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 Ipava State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Ipava State Bank peer analysis.