Pilot Grove Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pilot Grove Savings Bank of Pilot Grove, 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 | 2.19% | 1.43% | +0.76% | 92nd top |
| ROAE | 21.94% | 12.49% | +9.45% | 92nd top |
| Net Interest Margin | 3.86% | 3.84% | +0.02% | 60th above |
| Efficiency Ratio | 39.74% | 58.89% | -19.15% | 93rd top |
| PPNR / Avg Assets | 2.35% | 1.78% | +0.57% | 84th top |
| Yield on Earning Assets | 5.79% | 5.71% | +0.08% | 65th above |
| Cost of Funds | 2.16% | 2.03% | +0.13% | 39th below |
| Net Interest Spread | 3.22% | 3.18% | +0.04% | 61st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.97% | -0.88% | 90th top |
| NPA / Total Assets | 0.08% | 0.75% | -0.67% | 89th top |
| NCO / Avg Loans | 0.03% | 0.31% | -0.28% | 51st above |
| ACL / Total Loans | 0.99% | 1.25% | -0.26% | 29th below |
| ACL / NPLs (Coverage) | 1065.05% | 698.43% | +366.62% | — |
| Texas Ratio | 1.11% | 7.17% | -6.06% | 86th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 490.20% | 814.96% | -324.76% | 76th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.22% | 17.42% | -7.20% | 2nd bottom |
| Tier 1 Ratio | 10.22% | 17.45% | -7.23% | 2nd bottom |
| Total Capital Ratio | 11.09% | 18.51% | -7.42% | 1st bottom |
| Leverage Ratio | 8.82% | 11.60% | -2.78% | 8th bottom |
| Equity / Assets | 9.98% | 11.33% | -1.35% | 43rd below |
| TCE / Tangible Assets | 8.63% | 10.65% | -2.02% | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.81% | 86.35% | -2.54% | 61st above |
| Core Deposit Ratio | 92.35% | 85.55% | +6.80% | 71st above |
| Uninsured Deposit Ratio | 34.12% | 32.71% | +1.41% | 41st below |
| Wholesale Funding Ratio | 0.98% | 5.46% | -4.48% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.80% | 10.45% | +3.35% | 85th top |
| Loan Growth (Y/Y) | 11.63% | 7.99% | +3.64% | 78th top |
| Deposit Growth (Y/Y) | 13.90% | 7.97% | +5.93% | 84th top |
See Pilot Grove Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pilot Grove 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 Pilot Grove Savings Bank profile, how to read a UBPR, or how this data updates.