PCSB Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks PCSB Bank of Clarinda, IA against its peer group of 2757 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 | 0.90% | 1.25% | -0.35% | 27th below |
| ROAE | 10.23% | 12.22% | -1.99% | 36th below |
| Net Interest Margin | 3.02% | 3.95% | -0.93% | 10th bottom |
| Efficiency Ratio | 67.92% | 63.71% | +4.21% | 32nd below |
| PPNR / Avg Assets | 0.93% | — | — | 17th bottom |
| Yield on Earning Assets | 4.73% | 5.67% | -0.94% | 14th bottom |
| Cost of Funds | 1.87% | 1.87% | +0.00% | 45th below |
| Net Interest Spread | 2.52% | — | — | 14th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.25% | 0.88% | -0.63% | 62nd above |
| NPA / Total Assets | 0.14% | — | — | 66th above |
| NCO / Avg Loans | -0.05% | 0.15% | -0.20% | 95th top |
| ACL / Total Loans | 1.11% | — | — | 40th below |
| ACL / NPLs (Coverage) | 450.11% | — | — | 68th above |
| Texas Ratio | 1.37% | 5.96% | -4.59% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.09% | 11.75% | -0.66% | 52nd above |
| Equity / Assets | 9.33% | 10.98% | -1.65% | 32nd below |
| TCE / Tangible Assets | 9.33% | — | — | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.02% | 80.44% | -19.42% | 83rd top |
| Core Deposit Ratio | 90.50% | 86.95% | +3.55% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.41% | — | — | 34th below |
| Loan Growth (Y/Y) | 2.26% | — | — | 31st below |
| Deposit Growth (Y/Y) | 0.99% | — | — | 29th below |
See PCSB Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock PCSB 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 PCSB Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the PCSB Bank peer analysis.