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 Wausau, WI 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 | 1.15% | 1.44% | -0.29% | 40th below |
| ROAE | 12.26% | 12.50% | -0.24% | 49th below |
| Net Interest Margin | 3.57% | 3.84% | -0.27% | 40th below |
| Efficiency Ratio | 61.29% | 58.87% | +2.42% | 40th below |
| PPNR / Avg Assets | 1.49% | 1.78% | -0.29% | 36th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.61% | 5.71% | -0.10% | 54th above |
| Cost of Funds | 2.17% | 2.03% | +0.14% | 38th below |
| Net Interest Spread | 2.81% | 3.18% | -0.37% | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.40% | 0.96% | +0.44% | 20th bottom |
| NPA / Total Assets | 1.08% | 0.75% | +0.33% | 21st bottom |
| NCO / Avg Loans | 0.00% | 0.31% | -0.31% | 69th above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.17% | 1.25% | -0.08% | 53rd above |
| ACL / NPLs (Coverage) | 83.48% | 699.52% | -616.04% | 22nd bottom |
| Texas Ratio | 10.77% | 7.16% | +3.61% | 21st bottom |
| Provision / NCO | 10625.00% | 801.41% | +9823.59% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.41% | 17.41% | -4.00% | 49th below |
| Tier 1 Ratio | 13.41% | 17.45% | -4.04% | 48th below |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.63% | 18.50% | -3.87% | 50th above |
| Leverage Ratio | 10.17% | 11.60% | -1.43% | 41st below |
| Equity / Assets | 9.58% | 11.33% | -1.75% | 34th below |
| TCE / Tangible Assets | 9.33% | 10.65% | -1.32% | 39th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.50% | 86.34% | +10.16% | 25th below |
| Core Deposit Ratio | 89.50% | 85.55% | +3.95% | 56th above |
| Uninsured Deposit Ratio | 33.17% | 32.71% | +0.46% | 43rd below |
| Wholesale Funding Ratio | 10.25% | 5.45% | +4.80% | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.26% | 10.47% | -10.73% | 15th bottom |
| Loan Growth (Y/Y) | 2.28% | 8.00% | -5.72% | 30th below |
| Deposit Growth (Y/Y) | 0.03% | 7.99% | -7.96% | 19th bottom |
See Peoples State Bank's peers by name
The 931 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.