Johnson Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Johnson Bank of Racine, WI against its peer group of 941 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 | 1.38% | 1.34% | +0.04% | 57th above |
| ROAE | 11.08% | 12.34% | -1.26% | 40th below |
| Net Interest Margin | 3.55% | 3.83% | -0.28% | 37th below |
| Efficiency Ratio | 61.36% | 58.97% | +2.39% | 39th below |
| PPNR / Avg Assets | 1.67% | — | — | 44th below |
| Yield on Earning Assets | 5.34% | 5.71% | -0.37% | 38th below |
| Cost of Funds | 1.98% | 2.02% | -0.04% | 53rd above |
| Net Interest Spread | 2.97% | — | — | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.23% | 0.87% | -0.64% | 75th top |
| NPA / Total Assets | 0.18% | — | — | 75th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 88th top |
| ACL / Total Loans | 1.42% | — | — | 82nd top |
| ACL / NPLs (Coverage) | 605.37% | — | — | 81st top |
| Texas Ratio | 1.37% | 5.48% | -4.11% | 77th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.62% | 14.99% | +0.63% | 75th top |
| Tier 1 Ratio | 15.62% | 15.02% | +0.60% | 74th above |
| Total Capital Ratio | 16.87% | — | — | 76th top |
| Leverage Ratio | 12.33% | 11.11% | +1.22% | 79th top |
| Equity / Assets | 12.20% | 11.02% | +1.18% | 77th top |
| TCE / Tangible Assets | 12.03% | — | — | 82nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.56% | 86.99% | +8.57% | 28th below |
| Core Deposit Ratio | 92.48% | 85.57% | +6.91% | 71st above |
| Uninsured Deposit Ratio | 49.03% | 33.19% | +15.84% | 10th bottom |
| Wholesale Funding Ratio | 6.41% | — | — | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.32% | — | — | 16th bottom |
| Loan Growth (Y/Y) | 0.48% | — | — | 18th bottom |
| Deposit Growth (Y/Y) | 2.65% | — | — | 33rd below |
See Johnson Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Johnson 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 Johnson 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 Johnson Bank peer analysis.