Partners Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Partners Bank of Spencer, WI 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 | 1.26% | 1.34% | -0.08% | 49th below |
| ROAE | 9.27% | 13.32% | -4.05% | 32nd below |
| Net Interest Margin | 3.68% | 3.93% | -0.25% | 36th below |
| Efficiency Ratio | 55.69% | 61.14% | -5.45% | 67th above |
| PPNR / Avg Assets | 1.58% | 1.68% | -0.10% | 49th below |
| Yield on Earning Assets | 5.00% | 5.67% | -0.67% | 24th bottom |
| Cost of Funds | 1.49% | 1.88% | -0.39% | 70th above |
| Net Interest Spread | 3.16% | 3.32% | -0.16% | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.36% | 0.94% | -0.58% | 53rd above |
| NPA / Total Assets | 0.22% | 0.70% | -0.48% | 58th above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 84th top |
| ACL / Total Loans | 1.56% | 1.28% | +0.28% | 81st top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 432.24% | 1539.02% | -1106.78% | 68th above |
| Texas Ratio | 1.53% | 7.33% | -5.80% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.70% | 12.14% | +2.56% | 85th top |
| Equity / Assets | 13.70% | 11.37% | +2.33% | 83rd top |
| TCE / Tangible Assets | 13.36% | 11.09% | +2.27% | 82nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.52% | 80.64% | -1.12% | 52nd above |
| Core Deposit Ratio | 94.71% | 86.86% | +7.85% | 82nd top |
| Wholesale Funding Ratio | 8.94% | 5.03% | +3.91% | 17th bottom |
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. | 6.07% | 6.85% | -0.78% | 62nd above |
| Loan Growth (Y/Y) | -3.45% | 7.91% | -11.36% | 11th bottom |
| Deposit Growth (Y/Y) | 7.94% | 6.29% | +1.65% | 76th top |
See Partners Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Partners 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 Partners Bank profile, how to read a UBPR, or how this data updates.