Keystone Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Keystone Savings Bank of Keystone, IA against its peer group of 2672 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 | 0.66% | 1.34% | -0.68% | 18th bottom |
| ROAE | 6.44% | 13.32% | -6.88% | 19th bottom |
| Net Interest Margin | 3.45% | 3.93% | -0.48% | 25th below |
| Efficiency Ratio | 72.96% | 61.14% | +11.82% | 22nd bottom |
| PPNR / Avg Assets | 0.71% | 1.68% | -0.97% | 13th bottom |
| Yield on Earning Assets | 5.15% | 5.67% | -0.52% | 29th below |
| Cost of Funds | 1.74% | 1.88% | -0.14% | 54th above |
| Net Interest Spread | 2.77% | 3.32% | -0.55% | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.91% | 0.94% | +0.97% | 14th bottom |
| NPA / Total Assets | 1.20% | 0.70% | +0.50% | 16th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 38th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.24% | 1.28% | -0.04% | 55th above |
| ACL / NPLs (Coverage) | 65.18% | 1538.99% | -1473.81% | 17th bottom |
| Texas Ratio | 11.05% | 7.33% | +3.72% | 20th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 893.33% | 1395.64% | -502.31% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.37% | 19.50% | -4.13% | 53rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.37% | 19.54% | -4.17% | 52nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.47% | 20.62% | -4.15% | 52nd above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.29% | 12.14% | -0.85% | 55th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.41% | 11.37% | -0.96% | 51st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.17% | 11.09% | -0.92% | 52nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.65% | 80.64% | -5.99% | 62nd above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.81% | 86.86% | +0.95% | 43rd below |
| Wholesale Funding Ratio | 5.14% | 5.03% | +0.11% | 37th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.29% | 6.85% | -3.56% | 41st below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.71% | 7.90% | -0.19% | 64th above |
| Deposit Growth (Y/Y) | 2.73% | 6.29% | -3.56% | 41st below |
See Keystone Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Keystone Savings 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 Keystone Savings Bank profile, how to read a UBPR, or how this data updates.