The Napoleon State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Napoleon State Bank of Napoleon, IN 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 | 1.42% | 1.34% | +0.08% | 59th above |
| ROAE Behind the peer average, ahead of the median peer. | 13.08% | 13.32% | -0.24% | 54th above |
| Net Interest Margin | 4.38% | 3.93% | +0.45% | 74th above |
| Efficiency Ratio | 54.09% | 61.13% | -7.04% | 71st above |
| PPNR / Avg Assets | 2.07% | 1.68% | +0.39% | 75th top |
| Yield on Earning Assets | 5.94% | 5.67% | +0.27% | 66th above |
| Cost of Funds | 1.61% | 1.88% | -0.27% | 62nd above |
| Net Interest Spread | 3.72% | 3.32% | +0.40% | 72nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.10% | 0.94% | +0.16% | 26th below |
| NPA / Total Assets | 0.83% | 0.70% | +0.13% | 25th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.16% | -0.09% | 23rd bottom |
| ACL / Total Loans | 1.36% | 1.28% | +0.08% | 69th above |
| ACL / NPLs (Coverage) | 123.68% | 1546.87% | -1423.19% | 34th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.90% | 7.34% | -0.44% | 31st below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 564.71% | 1395.48% | -830.77% | 75th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.07% | 12.14% | -1.07% | 52nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.07% | 11.36% | -0.29% | 61st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.07% | 11.08% | -0.01% | 65th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.98% | 80.66% | +2.32% | 45th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.40% | 86.85% | +0.55% | 40th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.52% | 6.84% | -2.32% | 51st above |
| Loan Growth (Y/Y) | 11.37% | 7.92% | +3.45% | 78th top |
| Deposit Growth (Y/Y) | 3.87% | 6.29% | -2.42% | 49th below |
See The Napoleon 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 Napoleon 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 Napoleon State Bank profile, how to read a UBPR, or how this data updates.