The Iuka State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Iuka State Bank of Salem, IL 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 | -0.72% | 1.35% | -2.07% | 3rd bottom |
| ROAE | -7.50% | 13.33% | -20.83% | 2nd bottom |
| Net Interest Margin | 4.80% | 3.93% | +0.87% | 88th top |
| Efficiency Ratio | 71.92% | 61.13% | +10.79% | 25th below |
| PPNR / Avg Assets | 1.40% | 1.68% | -0.28% | 39th below |
| Yield on Earning Assets | 6.91% | 5.67% | +1.24% | 94th top |
| Cost of Funds | 2.65% | 1.88% | +0.77% | 12th bottom |
| Net Interest Spread | 4.11% | 3.32% | +0.79% | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 7.98% | 0.94% | +7.04% | 1st bottom |
| NPA / Total Assets | 6.90% | 0.70% | +6.20% | 1st bottom |
| NCO / Avg Loans | 2.52% | 0.16% | +2.36% | 1st bottom |
| ACL / Total Loans | 3.02% | 1.28% | +1.74% | 99th top |
| ACL / NPLs (Coverage) | 37.87% | 1546.33% | -1508.46% | 6th bottom |
| Texas Ratio | 57.09% | 7.33% | +49.76% | 1st bottom |
| Provision / NCO | 78.41% | 1395.12% | -1316.71% | 34th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.25% | 12.14% | -1.89% | 37th below |
| Equity / Assets | 9.60% | 11.37% | -1.77% | 38th below |
| TCE / Tangible Assets | 9.60% | 11.08% | -1.48% | 42nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.02% | 80.66% | +16.36% | 15th bottom |
| Core Deposit Ratio | 75.17% | 86.85% | -11.68% | 9th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.56% | 5.04% | -0.48% | 41st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -6.58% | 6.84% | -13.42% | 3rd bottom |
| Loan Growth (Y/Y) | -5.46% | 7.92% | -13.38% | 7th bottom |
| Deposit Growth (Y/Y) | 8.40% | 6.29% | +2.11% | 78th top |
See The Iuka State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Iuka 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 The Iuka State Bank profile, how to read a UBPR, or how this data updates.