Peoples Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples Savings Bank of Wellsburg, 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 | 0.80% | 1.35% | -0.55% | 23rd bottom |
| ROAE | 9.24% | 12.06% | -2.82% | 32nd below |
| Net Interest Margin | 3.38% | 3.90% | -0.52% | 23rd bottom |
| Efficiency Ratio | 72.72% | 63.15% | +9.57% | 23rd bottom |
| PPNR / Avg Assets | 1.02% | 1.64% | -0.62% | 21st bottom |
| Yield on Earning Assets | 5.97% | 5.65% | +0.32% | 67th above |
| Cost of Funds | 2.82% | 1.85% | +0.97% | 8th bottom |
| Net Interest Spread | 3.02% | 3.35% | -0.33% | 33rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.24% | 0.92% | -0.68% | 61st above |
| NPA / Total Assets | 0.18% | 0.67% | -0.49% | 61st above |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 85th top |
| ACL / Total Loans | 1.03% | 1.28% | -0.25% | 29th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 424.71% | 1645.66% | -1220.95% | 67th above |
| Texas Ratio | 9.52% | 7.15% | +2.37% | 23rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.89% | 12.46% | -2.57% | 29th below |
| Equity / Assets | 8.74% | 11.67% | -2.93% | 23rd bottom |
| TCE / Tangible Assets | 8.74% | 11.40% | -2.66% | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.18% | 78.64% | +22.54% | 10th bottom |
| Core Deposit Ratio | 79.01% | 87.10% | -8.09% | 14th bottom |
| Wholesale Funding Ratio | 15.32% | 5.11% | +10.21% | 4th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.56% | 6.48% | -7.04% | 16th bottom |
| Loan Growth (Y/Y) | -2.44% | 7.64% | -10.08% | 14th bottom |
| Deposit Growth (Y/Y) | -3.50% | 6.03% | -9.53% | 9th bottom |
See Peoples Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoples Savings 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 Savings Bank profile, how to read a UBPR, or how this data updates.