Peoples State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples State Bank of Prairie du Chien, 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 | 1.52% | 1.35% | +0.17% | 64th above |
| ROAE | 15.53% | 12.05% | +3.48% | 69th above |
| Net Interest Margin | 3.86% | 3.90% | -0.04% | 46th below |
| Efficiency Ratio | 55.67% | 63.15% | -7.48% | 67th above |
| PPNR / Avg Assets | 1.66% | 1.64% | +0.02% | 54th above |
| Yield on Earning Assets | 5.32% | 5.65% | -0.33% | 36th below |
| Cost of Funds | 1.72% | 1.85% | -0.13% | 55th above |
| Net Interest Spread | 3.31% | 3.35% | -0.04% | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.56% | 0.92% | -0.36% | 43rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.36% | 0.67% | -0.31% | 46th below |
| NCO / Avg Loans | -0.08% | 0.15% | -0.23% | 96th top |
| ACL / Total Loans | 1.47% | 1.28% | +0.19% | 76th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 261.93% | 1645.73% | -1383.80% | 56th above |
| Texas Ratio | 3.43% | 7.15% | -3.72% | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.02% | 20.83% | -4.81% | 57th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.02% | 20.86% | -4.84% | 57th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.27% | 21.94% | -4.67% | 58th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.54% | 12.46% | -0.92% | 58th above |
| Equity / Assets | 10.15% | 11.67% | -1.52% | 47th below |
| TCE / Tangible Assets | 9.70% | 11.40% | -1.70% | 44th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 79.72% | 78.64% | +1.08% | 52nd above |
| Core Deposit Ratio | 92.54% | 87.09% | +5.45% | 71st above |
| Wholesale Funding Ratio | 7.55% | 5.11% | +2.44% | 23rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.02% | 6.47% | +1.55% | 75th top |
| Loan Growth (Y/Y) | 13.10% | 7.64% | +5.46% | 82nd top |
| Deposit Growth (Y/Y) | 1.77% | 6.02% | -4.25% | 34th below |
See Peoples State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoples State 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 State Bank profile, how to read a UBPR, or how this data updates.