Peoples Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples Bank of Rock Valley, IA against its peer group of 931 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 | 2.17% | 1.43% | +0.74% | 91st top |
| ROAE | 19.89% | 12.50% | +7.39% | 89th top |
| Net Interest Margin | 4.15% | 3.84% | +0.31% | 77th top |
| Efficiency Ratio | 46.21% | 58.88% | -12.67% | 84th top |
| PPNR / Avg Assets | 2.38% | 1.78% | +0.60% | 85th top |
| Yield on Earning Assets | 6.39% | 5.71% | +0.68% | 87th top |
| Cost of Funds | 2.44% | 2.03% | +0.41% | 24th bottom |
| Net Interest Spread | 3.57% | 3.18% | +0.39% | 80th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.51% | 0.96% | -0.45% | 57th above |
| NPA / Total Assets | 0.46% | 0.75% | -0.29% | 53rd above |
| NCO / Avg Loans | -0.01% | 0.31% | -0.32% | 91st top |
| ACL / Total Loans | 1.32% | 1.25% | +0.07% | 72nd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 259.20% | 699.33% | -440.13% | 64th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.55% | 7.16% | -0.61% | 38th below |
| Provision / NCO | 1267.61% | 813.92% | +453.69% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.73% | 11.60% | -0.87% | 55th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.07% | 11.33% | -0.26% | 61st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.51% | 10.65% | -0.14% | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.33% | 86.33% | +17.00% | 11th bottom |
| Core Deposit Ratio | 81.05% | 85.56% | -4.51% | 23rd bottom |
| Uninsured Deposit Ratio | 37.11% | 32.70% | +4.41% | 34th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.57% | 5.45% | -0.88% | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.68% | 10.45% | +2.23% | 83rd top |
| Loan Growth (Y/Y) | 14.85% | 7.98% | +6.87% | 85th top |
| Deposit Growth (Y/Y) | 11.20% | 7.98% | +3.22% | 79th top |
See Peoples Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoples 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 Peoples Bank profile, how to read a UBPR, or how this data updates.