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 Cherryvale, KS against its peer group of 506 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 Behind the peer average, ahead of the median peer. | 2.69% | 3.13% | -0.44% | 90th top |
| ROAE | 13.47% | 10.30% | +3.17% | 75th top |
| Net Interest Margin | 5.52% | 3.94% | +1.58% | 95th top |
| Efficiency Ratio | 51.25% | 76.33% | -25.08% | 86th top |
| PPNR / Avg Assets | 2.81% | 1.40% | +1.41% | 92nd top |
| Yield on Earning Assets | 7.26% | 5.35% | +1.91% | 96th top |
| Cost of Funds | 2.28% | 1.70% | +0.58% | 19th bottom |
| Net Interest Spread | 4.17% | 3.32% | +0.85% | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.10% | 1.34% | -1.24% | 59th above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.25% | 0.71% | -0.46% | 43rd below |
| NCO / Avg Loans | -0.06% | 0.10% | -0.16% | 91st top |
| ACL / Total Loans | 1.00% | 1.49% | -0.49% | 28th below |
| ACL / NPLs (Coverage) | 990.48% | 865.05% | +125.43% | 88th top |
| Texas Ratio | 2.14% | 8.27% | -6.13% | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 19.83% | 17.64% | +2.19% | 79th top |
| Equity / Assets | 20.20% | 16.45% | +3.75% | 80th top |
| TCE / Tangible Assets | 20.20% | 16.19% | +4.01% | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 118.87% | 72.81% | +46.06% | 2nd bottom |
| Core Deposit Ratio | 76.51% | 88.28% | -11.77% | 9th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 5.11% | 5.18% | -0.07% | 38th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 19.45% | 4.25% | +15.20% | 95th top |
| Loan Growth (Y/Y) | 25.95% | 6.74% | +19.21% | 94th top |
| Deposit Growth (Y/Y) | 17.80% | 3.71% | +14.09% | 95th top |
See Peoples State Bank's peers by name
The 506 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.