Isabella Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Isabella Bank of Mount Pleasant, MI against its peer group of 931 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 | 1.14% | 1.46% | -0.32% | 39th below |
| ROAE | 13.25% | 12.72% | +0.53% | 57th above |
| Net Interest Margin | 3.57% | 3.85% | -0.28% | 40th below |
| Efficiency Ratio | 62.84% | 57.40% | +5.44% | 36th below |
| PPNR / Avg Assets | 1.55% | 1.88% | -0.33% | 40th below |
| Yield on Earning Assets | 5.11% | 5.72% | -0.61% | 25th below |
| Cost of Funds | 1.61% | 2.02% | -0.41% | 75th top |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.09% | 3.18% | -0.09% | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.13% | 1.00% | +0.13% | 28th below |
| NPA / Total Assets | 0.83% | 0.76% | +0.07% | 30th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.10% | 0.43% | -0.33% | 29th below |
| ACL / Total Loans | 0.91% | 1.31% | -0.40% | 21st bottom |
| ACL / NPLs (Coverage) | 80.42% | 543.75% | -463.33% | 21st bottom |
| Texas Ratio | 9.01% | 7.39% | +1.62% | 27th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 218.05% | 619.00% | -400.95% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.49% | 17.34% | -5.85% | 17th bottom |
| Tier 1 Ratio | 11.49% | 17.37% | -5.88% | 16th bottom |
| Total Capital Ratio | 12.39% | 18.42% | -6.03% | 14th bottom |
| Leverage Ratio | 8.93% | 11.44% | -2.51% | 10th bottom |
| Equity / Assets | 8.76% | 11.34% | -2.58% | 17th bottom |
| TCE / Tangible Assets | 8.56% | 10.50% | -1.94% | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.16% | 86.95% | -0.79% | 56th above |
| Core Deposit Ratio | 92.95% | 85.55% | +7.40% | 73rd above |
| Uninsured Deposit Ratio | 36.52% | 33.12% | +3.40% | 36th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 5.35% | 5.70% | -0.35% | 39th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.93% | 9.69% | -6.76% | 34th below |
| Loan Growth (Y/Y) | 13.77% | 8.05% | +5.72% | 83rd top |
| Deposit Growth (Y/Y) | -1.75% | 7.88% | -9.63% | 11th bottom |
See Isabella Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Isabella 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 Isabella Bank profile, how to read a UBPR, or how this data updates.