Kalamazoo County State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Kalamazoo County State Bank of Schoolcraft, MI 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 | 0.58% | 1.34% | -0.76% | 15th bottom |
| ROAE | 5.52% | 13.32% | -7.80% | 16th bottom |
| Net Interest Margin | 4.31% | 3.93% | +0.38% | 71st above |
| Efficiency Ratio | 83.03% | 61.13% | +21.90% | 11th bottom |
| PPNR / Avg Assets | 0.77% | 1.68% | -0.91% | 14th bottom |
| Yield on Earning Assets | 4.95% | 5.67% | -0.72% | 21st bottom |
| Cost of Funds | 0.70% | 1.88% | -1.18% | 97th top |
| Net Interest Spread | 3.87% | 3.32% | +0.55% | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.33% | 0.94% | -0.61% | 55th above |
| NPA / Total Assets | 0.17% | 0.70% | -0.53% | 63rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 34th below |
| ACL / Total Loans | 0.84% | 1.28% | -0.44% | 13th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 257.00% | 1546.28% | -1289.28% | 55th above |
| Texas Ratio | 1.52% | 7.34% | -5.82% | 67th above |
| Provision / NCO | 116.00% | 1395.09% | -1279.09% | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.34% | 19.48% | +0.86% | 78th top |
| Tier 1 Ratio | 20.34% | 19.52% | +0.82% | 78th top |
| Total Capital Ratio | 21.09% | 20.60% | +0.49% | 77th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.08% | 12.14% | -0.06% | 66th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.66% | 11.36% | -0.70% | 55th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.66% | 11.08% | -0.42% | 59th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 58.15% | 80.66% | -22.51% | 85th top |
| Core Deposit Ratio | 94.13% | 86.85% | +7.28% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.33% | 6.84% | -8.17% | 13th bottom |
| Loan Growth (Y/Y) | 11.21% | 7.92% | +3.29% | 77th top |
| Deposit Growth (Y/Y) | -2.61% | 6.29% | -8.90% | 12th bottom |
See Kalamazoo County State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Kalamazoo County 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 Kalamazoo County State Bank profile, how to read a UBPR, or how this data updates.