One American Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks One American Bank of Centerville, SD 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 | -5.53% | 1.35% | -6.88% | 0th bottom |
| ROAE | -71.44% | 13.34% | -84.78% | 0th bottom |
| Net Interest Margin | 1.14% | 3.93% | -2.79% | 0th bottom |
| Efficiency Ratio | 84.81% | 61.13% | +23.68% | 10th bottom |
| PPNR / Avg Assets | 0.57% | 1.68% | -1.11% | 10th bottom |
| Yield on Earning Assets | 4.50% | 5.67% | -1.17% | 9th bottom |
| Cost of Funds | 3.62% | 1.88% | +1.74% | 1st bottom |
| Net Interest Spread | 0.30% | 3.32% | -3.02% | 0th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 0.94% | -0.86% | 76th top |
| NPA / Total Assets | 0.06% | 0.70% | -0.64% | 76th top |
| NCO / Avg Loans | 8.67% | 0.15% | +8.52% | 0th bottom |
| ACL / Total Loans | 2.19% | 1.28% | +0.91% | 95th top |
| ACL / NPLs (Coverage) | 2783.71% | 1538.30% | +1245.41% | — |
| Texas Ratio | 10.56% | 7.33% | +3.23% | 21st bottom |
| Provision / NCO | 91.74% | 1396.04% | -1304.30% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 19.42% | 19.50% | -0.08% | 75th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 19.42% | 19.54% | -0.12% | 75th top |
| Total Capital Ratio | 20.69% | 20.62% | +0.07% | 76th top |
| Leverage Ratio | 8.35% | 12.14% | -3.79% | 5th bottom |
| Equity / Assets | 9.93% | 11.37% | -1.44% | 44th below |
| TCE / Tangible Assets | 9.93% | 11.09% | -1.16% | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.54% | 80.63% | +16.91% | 14th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.99% | 86.86% | +0.13% | 39th below |
| Wholesale Funding Ratio | 8.07% | 5.03% | +3.04% | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -25.95% | 6.86% | -32.81% | 0th bottom |
| Loan Growth (Y/Y) | -22.03% | 7.91% | -29.94% | 0th bottom |
| Deposit Growth (Y/Y) | -10.79% | 6.29% | -17.08% | 2nd bottom |
See One American Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock One American 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 One American Bank profile, how to read a UBPR, or how this data updates.