Ohnward Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ohnward Bank & Trust of Cascade, 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 | 1.39% | 1.34% | +0.05% | 57th above |
| ROAE | 11.61% | 13.32% | -1.71% | 45th below |
| Net Interest Margin | 4.02% | 3.93% | +0.09% | 54th above |
| Efficiency Ratio | 53.96% | 61.14% | -7.18% | 72nd above |
| PPNR / Avg Assets | 1.93% | 1.68% | +0.25% | 69th above |
| Yield on Earning Assets | 6.06% | 5.67% | +0.39% | 71st above |
| Cost of Funds | 2.25% | 1.88% | +0.37% | 24th bottom |
| Net Interest Spread | 3.42% | 3.32% | +0.10% | 55th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.19% | 0.94% | +0.25% | 24th bottom |
| NPA / Total Assets | 0.93% | 0.70% | +0.23% | 22nd bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.10% | 1.28% | -0.18% | 38th below |
| ACL / NPLs (Coverage) | 92.69% | 1539.44% | -1446.75% | 25th below |
| Texas Ratio | 7.36% | 7.33% | +0.03% | 30th below |
| Provision / NCO | 1269.23% | 1395.58% | -126.35% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.58% | 12.14% | +0.44% | 71st above |
| Equity / Assets | 12.14% | 11.37% | +0.77% | 72nd above |
| TCE / Tangible Assets | 11.87% | 11.09% | +0.78% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.96% | 80.63% | +13.33% | 21st bottom |
| Core Deposit Ratio | 85.29% | 86.86% | -1.57% | 31st below |
| Wholesale Funding Ratio | 3.16% | 5.03% | -1.87% | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.62% | 6.85% | +1.77% | 78th top |
| Loan Growth (Y/Y) | 12.01% | 7.90% | +4.11% | 80th top |
| Deposit Growth (Y/Y) | 9.78% | 6.29% | +3.49% | 82nd top |
See Ohnward Bank & Trust's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ohnward Bank & Trust, 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 Ohnward Bank & Trust profile, how to read a UBPR, or how this data updates.