NSB Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks NSB Bank of Mason City, 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 | 1.04% | 1.35% | -0.31% | 36th below |
| ROAE | 12.62% | 12.05% | +0.57% | 51st above |
| Net Interest Margin | 3.12% | 3.90% | -0.78% | 13th bottom |
| Efficiency Ratio | 54.74% | 63.15% | -8.41% | 70th above |
| PPNR / Avg Assets | 1.52% | 1.64% | -0.12% | 45th below |
| Yield on Earning Assets | 5.16% | 5.65% | -0.49% | 29th below |
| Cost of Funds | 2.16% | 1.85% | +0.31% | 28th below |
| Net Interest Spread | 2.53% | 3.35% | -0.82% | 15th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.32% | 0.92% | -0.60% | 56th above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.49% | 0.67% | -0.18% | 39th below |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 84th top |
| ACL / Total Loans | 1.13% | 1.28% | -0.15% | 42nd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 353.65% | 1645.69% | -1292.04% | 64th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.09% | 7.15% | -1.06% | 35th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 256.86% | 1189.77% | -932.91% | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.94% | 20.84% | -9.90% | 8th bottom |
| Tier 1 Ratio | 10.94% | 20.87% | -9.93% | 7th bottom |
| Total Capital Ratio | 12.00% | 21.94% | -9.94% | 8th bottom |
| Leverage Ratio | 8.49% | 12.47% | -3.98% | 6th bottom |
| Equity / Assets | 8.44% | 11.67% | -3.23% | 19th bottom |
| TCE / Tangible Assets | 7.34% | 11.40% | -4.06% | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.30% | 78.64% | +4.66% | 44th below |
| Core Deposit Ratio | 96.14% | 87.09% | +9.05% | 89th top |
| Wholesale Funding Ratio | 2.85% | 5.11% | -2.26% | 57th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.06% | 6.48% | -8.54% | 10th bottom |
| Loan Growth (Y/Y) | -1.17% | 7.64% | -8.81% | 18th bottom |
| Deposit Growth (Y/Y) | -1.14% | 6.03% | -7.17% | 17th bottom |
See NSB Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock NSB 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 NSB Bank profile, how to read a UBPR, or how this data updates.